Trivista Capital Limited

What Trivista Capital Limited does

Trivista Capital Limited is a privately held Nigerian financial services company founded in 2015 and headquartered at 10 Adisa Bashua, Surulere, Lagos. The company provides consumer and business lending, trade financing, finance lease, and related credit products to individuals, micro/small/medium enterprises, federal and state government employees, and employees of large corporate organizations across Nigeria.

Its product portfolio comprises ten distinct offerings: personal loans, SME and personal loans, lease finance, small business loans, lines of credit, federal and states employees loans, school fees advance, invoice discounting and LPO finance, group loans, and asset financing. Personal and group loans are marketed with 24-hour disbursement and reducing-balance interest. The company distributes these products through a self-serve website application portal, phone and in-person consultation at its Lagos office, and B2B2C partnerships with corporate employers and government agencies that channel loans through payroll-deducted repayments.

Trivista generates revenue primarily through interest income on its loan and lease portfolio. The company operates without disclosed proprietary technology platforms and relies on standard banking infrastructure for loan processing, disbursement, and collections. There is no publicly disclosed external funding, parent company, or institutional investor backing; ownership appears to remain founder or privately held. The company is a registered trademark holder and maintains a formal privacy and data protection framework referencing encryption, access controls, and biometric data handling.

Name

Trivista Capital Limited

Legal name

Trivista Capital Limited

Website

https://trivistang.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Trivista Capital Limited is a privately held Nigerian lender founded in 2015 that provides consumer loans, SME loans, lease finance, group loans, and invoice discounting to individuals, businesses, and government employees across Nigeria, distributed via direct channels and corporate employer partnerships.

Ownership category

akta.pro rank

Product category

Non-Bank Consumer & SME Lending

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Finance Lessors (6172), Short-Term Business Credit Institutions (6153), Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

Microenterprise Group Lending (Joint Liability) (FSAKAGAH), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD), Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN), Large-Cap / Sponsor Finance Direct Lending (FSANADAJ)

Keywords

• Consumer lending services
• SME business loans
• Lease financing
• Invoice discounting
• Salary-advance loans

Headquarters

HQ city

Lagos

HQ country

Nigeria

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Personal Loans: Interest income generated from consumer loans provided to individuals for personal needs including debt consolidation, home improvement, and vehicle financing. Loans feature quick disbursement within 24 hours and competitive interest rates on reducing balance.
2. SME and Business Loans: Revenue generated from small business loans and lines of credit extended to micro, small, and medium enterprises. Includes invoice discounting and LPO finance facilities for working capital support.
3. Group Loans: Interest income from group loan schemes offered to employees of large corporate firms and cooperative societies, with repayments deducted at source from employee salaries.
4. Lease Finance and Asset Financing: Revenue from financing the acquisition of business and personal assets through lease arrangements and asset-backed financing facilities.
5. Specialized Credit Facilities: Income from specialized products including school fees advances for employees of various organizations and invoice discounting facilities providing liquidity to small businesses.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Trivista Capital Limited is a Nigerian non-bank financial services company that originates and services a portfolio of credit products, including personal loans, SME and small-business loans, lease and asset financing, lines of credit, invoice discounting/LPO finance, group salary-deduction loans, federal/state employee loans, and school-fees advances. Its core activity is direct lending to individuals, micro/small/medium enterprises, government employees, and corporate payroll groups, with pricing set on a per-borrower basis using reducing-balance interest rates.

Product overview

Trivista Capital Limited offers a unified financial services platform focused on consumer and business lending. The product portfolio comprises multiple loan products including Personal Loans, SME and Personal Loans, Lease Finance, Small Business Loans, Lines of Credit, Federal and States Employees Loans, School Fees Advance, Invoice Discounting Facility/LPO Finance, Group Loans, and Asset Financing. These offerings are tailored for individuals, small and medium enterprises, and employees of corporate organizations, providing quick disbursement and flexible terms to meet various financial needs including personal expenses, business growth, working capital, and asset acquisition.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Loan disbursement within 24 hours
• +1 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Migo: Emerging market credit infrastructure provider operating in Nigeria, enabling lenders to underwrite and originate consumer loans — a comparable digital lending player in the same market.
• Branch International: Global digital lender with significant Nigerian operations providing instant mobile loans to consumers and small businesses; competes in Trivista's addressable market with deeper capital.
• Aella Credit: Nigerian lending fintech offering salary-backed loans and consumer credit via employer partnerships — overlapping with Trivista's group loan distribution model.

Direct peers

• Renmoney: One of Nigeria's largest non-bank consumer and SME lenders, offering personal loans, salary-backed loans, and small business credit — directly comparable to Trivista's product set and target segments.
• Lidya: Nigerian-focused digital lending platform for SMEs providing working capital and invoice financing; directly comparable to Trivista's invoice discounting and LPO finance offerings.
• FairMoney: Nigerian digital lender providing instant personal and SME loans via mobile app; competes directly with Trivista's consumer and SME loan products with a stronger technology stack.
• Carbon (formerly Paylater): Nigerian fintech offering consumer credit, SME loans, and investment products to underserved borrowers; comparable in customer base and lending model to Trivista.
• Page Financials: Nigerian consumer and SME lender offering personal loans, asset financing, and trade finance — closely aligned with Trivista's lease finance and SME product mix.
• QuickCheck: Nigerian mobile lending platform offering personal and SME loans to salary earners and business owners; comparable target customer base and product structure to Trivista.

Broad incumbents

• Sterling Bank: Established Nigerian commercial bank with consumer and SME lending arms; competes with Trivista across the same borrower segments but offers a broader product suite and deposit base.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/trivista-capital-limited

Revenue estimate

Valuation estimate

Number of profiles

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 Trivista Capital Limited