Page International Financial Services

Name

Page International Financial Services

Legal name

Page International Finance Company Limited

Website

https://pagefinancials.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)

SIC

Finance Services (6199)

akta.pro primary industry

E-commerce & Digital Checkout Installment Financing (FSAKAFAC)

akta.pro secondary industries

A2A Collections & Direct Account Funding (FSAMAFAH), Money Markets & Short-Term Funding (T-Bills, CP, CDs) (FSACAEAG)

Keywords

• Consumer lending
• Digital payments
• Fixed deposit investment
• Mobile banking
• Financial inclusion

Headquarters

HQ city

Ikoyi

HQ country

Nigeria

HQ region

Africa

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Loan Interest Income: Revenue generated from interest charged on personal loans extended to customers. Loans range from small to N5 million with monthly interest rates (e.g., 3.84% monthly rate shown in representative example). Terms range from 3-12 months.
2. Investment Returns Spread: Revenue derived from the spread between returns paid to investors (up to 18% p.a.) and returns earned on investment portfolio. Minimum investment of N500,000 with tenors starting at 90 days.
3. Payment Transaction Revenue: Currently marketed as zero-fee payments; revenue model may include interchange income, volume-based arrangements with billers, or cross-subsidization from lending products.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

Page International Financial Services (operating as Page Financials) provides quick personal loans of up to N5 million with disbursement in under three hours, fixed deposit investment products offering up to 18% per annum returns, and zero-fee online payment services (bill payments, transfers, airtime) to Nigerian consumers. These offerings are delivered through a proprietary mobile application, an internet banking platform, and physical branch offices in Lagos, Ibadan, and Abuja, operating under a Central Bank of Nigeria finance company license.

Product overview

Page International Financial Services offers a unified financial services platform with three core products: Quick Loans (personal loans up to N5 million), Fixed Deposit Investment (up to 18% p.a. returns), and Payments (zero-fee online transactions). These products are accessible through a mobile application available on Android and iOS, an internet banking platform (ibank.pagefinancials.com), and the main website. The company operates as a licensed microfinance bank regulated by the Central Bank of Nigeria.

Differentiator

Problem solved

Functional benefit

Products and services

• Quick Loans

Quantifiable outcome

• Loan disbursement time of less than 3 hours
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and flagship.

• RemitacoreTechnology or IntegrationPayment infrastructure partner enabling bill payment processing and fund transfers through the Remita platform, part of the Nigeria digital payments ecosystem.
• NIBSS (Nigerian Inter-Bank Settlement Scheme)coreTechnology or IntegrationStrategic partner providing inter-bank payment infrastructure and settlement services essential for processing transactions between financial institutions in Nigeria.
• InterswitchcoreTechnology or IntegrationPayment technology partner providing payment gateway and switching services enabling online transactions and card payments on the Page Financials platform.
• CRC Credit BureaucoreTechnology or IntegrationCredit reference agency partner providing credit history data and credit scoring services to assess borrower eligibility and manage lending risk.
• First CentralcoreTechnology or IntegrationCredit bureau partner providing additional credit reference and borrower risk assessment data to support loan underwriting decisions.
• Credit RegistrycoreTechnology or IntegrationCredit reference partner providing credit information services and borrower verification to support credit assessment and fraud prevention.
• Central Bank of Nigeria (CBN)flagshipStrategic or Co-development PartnerPrimary regulatory authority that licenses and oversees Page International Finance Company Limited's operations as a regulated finance company in Nigeria.

Scale indicators2 records

Recent moves1 record

Direct peers

• Carbon (formerly Paylater): Nigerian digital lender offering instant personal loans via mobile app to consumers and SMEs. Closely comparable in product (quick loans), target customer (Nigerian individuals), and digital-first GTM.
• FairMoney: Nigeria-founded digital lender providing instant personal loans and now banking services. Comparable in loan products, mobile delivery, and unbanked/Nigerian consumer targeting.
• Renmoney: Nigerian consumer and SME lender offering personal loans, salary advances, and investment products. Comparable in lending and deposit/investment product mix for the Nigerian market.
• Kuda Bank: Nigerian digital-only licensed bank offering payments, savings, and credit to consumers. Comparable as a CBN-regulated digital-first consumer finance platform.
• OPay: Nigeria-based fintech super-app offering payments, transfers, airtime, and consumer credit. Comparable in zero/low-fee payments plus consumer lending combination.
• PalmPay: Nigerian mobile payments and financial services platform with airtime, transfers, and credit features. Comparable in mobile-first payments plus consumer credit to Nigerian individuals.
• Cowrywise: Nigerian digital savings and investment platform offering goal-based savings and mutual fund access. Comparable as a retail investment and savings platform serving Nigerian individuals.
• Piggyvest: Nigerian digital savings and investments platform offering savings, investments, and portfolio options to retail users. Comparable as a retail savings/investment alternative for Nigerian consumers.
• Moniepoint (formerly TeamApt): Nigeria-based digital payments and banking platform serving consumers and merchants with transfers, payments, and credit. Comparable in payments + credit combination targeting Nigerian individuals and SMEs.
• Branch International: Mobile-first digital lender providing instant loans to consumers in emerging markets including Nigeria. Comparable in mobile-delivered, collateral-free personal lending to Nigerian consumers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/pagefinancials
• Facebookfacebook.com/pagefinanciaIs
• LinkedInlinkedin.com/company/pagefinancials

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Page International Financial Services