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About Us

Capitalwise Dynamic Pay Ltd is geared towards creating an enabling environment for individuals and businesses by rendering first class financial services towards bridging a financial gap.

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Contact Info

  • 29, Association Avenue Obanikoro, Ilupeju Lagos
  • (+234)-906-503-8622
  • info@capitalwisepayment.com
  • Week Days: 09.00 to 17.00 Saturday & Sunday: Closed
About Us

Why Choose Us.

Our focus is to proffer timely alternative financial solutions to individuals and businesses towards achieving their desired goals. We aim to help our Customers achieve sustainable cashflow (to finance their business growth) with flexible access to loans at a competitive rate. Our product line is designed to empower, enrich, develop, and sustain individuals and businesses. We are your one stop shop for savings, loans, and all financial intermediary services. Our services come with guaranteed expertise, honesty and certainty that will help you face the future with confidence and bring your ambitions to life.
Mission
To help our clients achieve financial stability and prosperous future.
Vision
To become the financial service provider of choice for businesses globally.
Agenda
Our agenda is to aid sustainable business environment resulting in customer growth.

Learn More About Company

Our Products

Our products and services.

Salary Loan

Our salary loan product is designed to help salary earners meet with their increasing financial needs, it is categorized into two namely: Personal : It is a non-collateral loan to support salarv earners. You get to access loans with a debt service ratio of 35% of your net income for a period of 1-4 months.
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Auto Loan

The Auto loan is a type of loan that helps customers purchase vehicles/cars at convenience; without the hassle of thinking about the whole sum of money involved in getting their desired vehicle. Repayment has been made easy, spread over a period of 6 - 18months with a loan range of ₦500,000 - ₦5,000,000. (Ts & Cs apply)
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MSME

As part of our commitment to providing an enabling environment for business growth, we offer a fIxible term loan for verified businesses aimed at supporting sustainable growth. This product takes your business to the next level with opportunities for expansion, working capital, facilitating business buy-out and buy-ins available at low interest rate Funds access ranges from ₦100,000 - ₦1,000,000 naira without collateral (Ts & Cs apply).
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Asset & Appliance Loan

Buy and use your desired products whilst you pay over a period. It is an asset financed loan with easy repayment and reduced interest rate. It can help you get appliances as soon as you need them. Fund access ranges from ₦50,000 - ₦5,000,000 naira (Tc & Cs apply).
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Renewable Energy Financing

Finance your renewable / alternative energy source (Solar panels, Inverters, Batteries, etc.) whilst you pay over a period. It is an asset financed loan with easy repayment and reduced interest rate.
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LPO / Invoice Discounting

It is an initiative that encourages businesses to borrow money against the amount due from customers unpaid invoices. This initiative makes life easier for businesses and vendors to aid business growth and business success. This loan service alows you to access funds immediately to execute projects immediately. Wait for payment. Fund access ranges from ₦100,000 - ₦5,000,000 (Ts & Cs apply).
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Some FAQ’s

Read Most
Frequent Questions

  • What is the interest rate on your savings?
    Up to 9.5% per annum.
  • Would there be deductions from my savings?
    Yes. In case of breach or when conditions are not met.
  • What is the minimum and maximum amount of loan I can take?
    Once you meet with the requirements, you can access minimum of ₦100,000 and maximum of ₦5,000,000. Excluding payday loan where you can access 50% of your net income.
  • Why do I need a guarantor?
    Your guarantor is needed to attest to your eligibility for loan and also serve as a fallback in an event of default.
  • What category of I.D card do you regards valid?
    Drivers license, Permanent Voters Card, International passport, National ID.
  • Is it required to save money before I get a loan?
    No. However, some loan products require you make a 30% equity contribution.
  • Can I pay off my loan at once when I have money before my tenure expires?
    Yes, you can.
  • How do I make repayment?
    Bank transfer, Standing order, Cheques, Auto Debit
  • How do I check my eligibility for a loan?
    Meeting the requirements and agreeing to the terms and conditions of Capitalwise loan offers.
  • How many days does it take to process a loan?
    Under 48 hours.
  • Can I apply for a loan that is less than ₦50,000?
    Yes, under the payday loan service.
  • How long can I save for?
    Savings are renewable yearly.
  • Can I apply for a loan as a salary earner?
    Yes, you can. As long as you meet all requirements.
  • Can I use a family member as a guarantor?
    No.
  • Can I pay off my loan at once when I have money before my tenure expires?
    Yes, you can.

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