CreditPRO

What CreditPRO does

CreditPRO Finance Company Limited is a Lagos-headquartered, CBN-licensed non-deposit-taking finance company focused on Nigerian small and medium enterprises. Originally established in 2019 as CreditPRO Business Support Services Limited, the firm was relicensed by the Central Bank of Nigeria in September 2025 and now operates from CITC House, Ogba, Ikeja, with a headcount in the 11-50 range. Its product suite spans working capital finance, payroll finance, revenue-based financing, operating and finance leases, supply chain finance (LPO financing, invoice discounting, distributor financing), bridging finance, and medium-to-long term project funding on the asset side, alongside Fixed Term Notes and a Call Investment Plan on the funding side, plus fund management and advisory services.

The company runs a digital-first delivery model built around a web platform with mobile banking capabilities, SSL/TLS encryption, and an Information Security Management System aligned to ISO 27001:2022, with NDPA data-protection compliance and an Audit Compliance Trustmark. GTM is sales-led and relationship-driven: enquiries come through website forms or partner referrals (Remita, Globus Bank, NIBSS, CyberPay, LASEP A, Lagos SDG, LAWMA), and dedicated relationship managers contact prospects within one business day, with disbursement targeted at 48-72 hours for eligible applicants. Customer segmentation is horizontal across startups, SMEs, and enterprises for borrowing, and corporates, salary earners, and high-net-worth individuals for investment products; pricing is quote-based on loans and tiered by tenor on investment notes.

Revenue is generated through interest income on the lending book and spread on investment-note liabilities; the company does not publicly disclose revenue. The business is founder-led (Dr. Sola Adeyiga, MD/CEO; Dr. Edwin Idegwu, Chairman) with no external institutional capital or funding rounds disclosed. Beyond financial services, CreditPRO maintains an ESG programme including the #EndPlasticPollution initiative with LAWMA and the Seedbed Charity Initiative for orphaned children's entrepreneurship development.

Name

CreditPRO

Legal name

CreditPRO Finance Company Limited

Website

https://creditprosme.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

CreditPRO is a Lagos-based, CBN-licensed Nigerian finance company providing working capital, supply chain, asset, and project financing to small and medium enterprises, funded by Fixed Term Notes and a Call Investment Plan.

Ownership category

akta.pro rank

Product category

SME Lending

NAICS

Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

akta.pro secondary industries

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), Specialty Finance / Structured Credit (FSANADAE)

Keywords

• SME financing
• Working capital loans
• Supply chain finance
• Asset leasing
• Fixed term investments

Headquarters

HQ city

Lagos

HQ country

Nigeria

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Income: CreditPRO generates revenue through interest charged on various loan products including working capital loans, payroll finance, asset finance, supply chain finance (LPO financing, invoice discounting), bridging finance, and medium-long term project funding. Interest rates are benchmarked against CBN T-Bills and market rates.
2. Fixed Term Investment Notes: Fixed-income investment product where customers invest lump sums for defined periods (90-365 days) at predetermined interest rates. Returns are paid at maturity with tiered rates by tenor. Provides security of principal and guaranteed returns.
3. Call Investment Plan: Flexible short-term investment product with 90-day lock-up period, daily interest accrual, monthly interest payments, and 7 days withdrawal notice requirement. Minimum investment ₦1 million, maximum ₦50 million.
4. Fund Management Services: Fund management solutions offering guaranteed returns, flexible access, and goal-based savings for businesses and individuals.
5. Advisory Services: Expert guidance, strategic insights, and tailored financial solutions for business risk management, performance improvement, and sustainable growth.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

CreditPRO Finance Company Limited provides a comprehensive suite of SME-focused financing products delivered through a digital platform, including working capital loans (30-180 day tenors), payroll finance, revenue-based financing, asset finance (operating and finance leases), supply chain finance (LPO financing, invoice discounting, distributor financing), bridging finance (30-120 days), and medium-long term project funding (1-2 years). The company also offers investment products (Fixed Term Notes of 90-365 days and a Call Investment Plan) for individuals and corporates, plus fund management and advisory services, with disbursement typically within 48-72 hours for eligible customers.

Product overview

CreditPRO Finance Company Limited operates as a CBN-licensed fintech company providing a comprehensive suite of financial services for Nigerian SMEs. The product portfolio centers on a digital-first platform offering Working Capital Finance, Payroll Finance, Revenue Based Financing, Asset Finance (Operating and Finance Leases), Supply Chain Finance (LPO Finance, Invoice Discounting, Distributor Financing), Project Finance (Bridging Finance, Medium-Long Term Project Funding), and Investment products (Fixed Term Notes, Call Investment Plan). Supporting services include Fund Management, Advisory Services, and a Digital Banking Platform. The company also embeds ESG principles through its #EndPlasticPollution and Seedbed Charity CSR initiatives, with operations certified compliant with CBN regulations, NDPR/NDPA data protection, and ISO 27001:2022 information security standards.

Differentiator

Problem solved

Functional benefit

Products and services

• Working Capital Finance Short-term financing solution designed to help businesses cover urgent operational expenses and maintain smooth cash flow operations, with tenors of 30-180 days.
• Payroll Finance Financing solution that helps employers meet salary obligations on time, bridging cash flow gaps to ensure employees are paid promptly.
• Revenue Based Financing Growth capital financing repaid as a percentage of future revenue, providing flexibility without rigid repayment schedules.
• Operating Lease Flexible asset access for vehicles, machinery, and equipment for fixed periods without heavy upfront capital expense, with the lessor retaining ownership.
• Finance Lease Long-term lease structure enabling businesses to deploy equipment while preserving working capital, with eventual ownership transfer at lease-end.
• LPO Finance Funding solution for executing confirmed Local Purchase Orders, bridging the gap between award and fulfillment.
• Invoice Discounting Immediate funds access against outstanding receivables, unlocking cash from unpaid invoices without waiting for client payment terms.
• Distributor Financing Upfront working capital for distributors to purchase inventory from manufacturers and extend flexible terms to retailers.
• Bridging Finance Short-term capital injections (30-120 days) against verified pending inflows to maintain operational momentum while awaiting long-term payouts.
• Medium-Long Term Project Funding Structured project financing (1-2 years extendable) tailored to cash flow cycles for factories, real estate, energy, transport, or infrastructure.
• Fixed Term Notes Fixed-income investment product allowing lump sum investment for defined periods (90-365 days) at predetermined interest rates with guaranteed returns. Minimum ₦100,000 and maximum ₦500 million.
• Call Investment Plan Flexible short-term investment with competitive interest and option for quick fund access after a 90-day lock-up period. Minimum ₦1 million and maximum ₦50 million, with 7 days' withdrawal notice.
• Fund Management Solutions offering guaranteed returns, flexible access, and goal-based savings for businesses and individuals.
• Advisory Services Expert guidance and strategic insights for managing risk, improving performance, and achieving sustainable growth.

Quantifiable outcome

• Revenue-based financing disbursement in 48-72 hours once documentation is complete
• +2 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• LASEP AcoreStrategic or Co-development PartnerEnvironmental compliance partner for #EndPlasticPollution CSR initiative. Collaborates with Lagos State Environmental Protection Agency on sustainability programs.
• Lagos SDGminorStrategic or Co-development PartnerPartnership aligned with Lagos State Sustainable Development Goals for environmental and social impact initiatives.
• NIBSS (Nigerian Inter-Bank Settlement Scheme)coreTechnology or IntegrationInfrastructure partner enabling interbank transactions, BVN verification, and payment system integrations for Nigerian financial services.
• LAWMA (Lagos State Waste Management Authority)coreStrategic or Co-development PartnerGovernment partner for #EndPlasticPollution environmental initiative. Collaborates on waste evacuation, recycling, monitoring, and environmental assessments across Lagos estates.

Scale indicators1 record

Recent moves7 records

Expansion highlights6 records

Emerging players

• Branch International: Branch is a digital lender operating across Africa and other emerging markets providing instant loans to consumers and small businesses via mobile. It overlaps with CreditPRO on mobile-first short-term SME and consumer credit.
• Tala: Tala is a digital lending platform operating in emerging markets including parts of Africa, providing instant credit to underbanked consumers and small businesses via mobile app. Comparable to CreditPRO's mobile-first SME lending approach.
• Aella Credit: Aella Credit is a Nigerian fintech offering consumer and SME lending plus bill payments. It overlaps with CreditPRO on SME lending but serves a broader consumer base, making it a partial competitor in Nigeria's digital finance market.

Direct peers

• Carbon: Carbon (formerly Paylater) is a Nigerian digital lending platform offering personal and SME loans via mobile. It directly competes with CreditPRO in Nigeria's digital SME lending space with a more mature underwriting stack and larger loan book.
• Lidya: Lidya is a pan-African digital lending platform providing working capital loans to SMEs across Nigeria and other African markets. It is a direct peer in the SME working capital financing category.
• FairMoney: FairMoney is a Nigerian digital lender providing instant loans to individuals and small businesses via its mobile app. It competes directly with CreditPRO for Nigerian SME working capital and short-term financing.
• Renmoney: Renmoney is a leading Nigerian consumer and SME lender offering salary-backed loans, business loans, and investment products. It overlaps with CreditPRO's SME loan, Fixed Term Note, and fund management offerings.

Broad incumbents

• TeamApt: TeamApt is a Nigerian fintech infrastructure provider offering payment, banking-as-a-service, and merchant credit solutions. It is comparable to CreditPRO as a CBN-regulated Nigerian fintech operating in adjacent financial services categories.
• Flutterwave: Flutterwave is a leading Nigerian payments and financial technology infrastructure provider. While broader in scope than CreditPRO, it operates in the same Lagos fintech ecosystem and serves overlapping SME customers with digital financial tools.

Regional players

• M-Kopa: M-Kopa is a Kenyan-based asset financing platform providing pay-as-you-go financing for smartphones, solar, and other assets across East and West Africa. It is comparable to CreditPRO's asset finance and supply chain financing products in the African context, though primarily East Africa focused.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/sme_creditpro
• Facebookfacebook.com/creditprosme

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 CreditPRO