Retailers and distributors are financiers now, whether they planned to be or not.
Savings goal set — ₦25,000
Repeat customer · in-store
Distributors already extend informal credit to retailers. Retailers already let regular customers pay "small small." Business owners already get asked for a savings plan toward a big order.
Grid Finance turns what SMEs are already doing informally into a structured product
— embedded financing or savings, sitting on top of a business that already sells something, without that business needing a lending license or a year of infrastructure work.
Offer installment or "buy now, pay small" options without extending your own balance sheet to cover it.
Customers save toward inventory, equipment, or a large order, with your business as the destination for that money.
Balances, repayment status, and savings progress in one place instead of a notebook or a spreadsheet.
Grid Finance handles collection and reconciliation so cash flow doesn't depend on chasing customers.
Brand your savings or credit product with your shop's name and logo — customers never see Grid Finance.
Enroll customers into a savings plan or offer point-of-sale credit right when they're paying.
Customers with money saved — or a credit line — at your shop keep coming back to spend it there.
A customer with ₦40,000 saved toward their next purchase at your shop isn't going anywhere else. Financial products turn casual buyers into your most predictable revenue.
No banking license or infrastructure required
Set your own rates and terms per product
One dashboard for every customer's balance and history
Launch a branded savings or credit product at the point of sale — no banking infrastructure required.
Multi-tenant financial infrastructure for Nigeria's lenders, savers, and thrift collectors.
Grid Finance is a financial infrastructure provider offering lending, savings, and contribution-circle technology to licensed and registered businesses operating in Nigeria. Grid Finance is not itself a lender, deposit-taking institution, or thrift collector, and does not directly offer financial products to end consumers. All lending, savings, and Rounds products are issued and operated by the individual tenant businesses using the Grid Finance platform, in line with applicable CBN regulations. This copy is provided for informational and marketing purposes and should be reviewed by legal and compliance counsel before publication.
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