Borrow
Five financing products for salary, SMEs, LPO, auto and assets. Most applications get a decision within one business day.
Credit for salaries, businesses and contracts. Apply from your phone, get a decision fast, and repay on terms that fit how your money actually moves.
Built on
Borrow against it, move it, and see all of it, without juggling five apps, a broker, and a bank queue.
Five financing products for salary, SMEs, LPO, auto and assets. Most applications get a decision within one business day.
Bring your book. We bring the capital, the credit engine and the compliance.
We work with a limited number of private and institutional investors to fund our lending book.
5 Financing products
70% Of your contract, with LPO financing
Lagos State Licensed money lender
From payday advances to contract finance, every product is built for a real moment, for salaried earners, contractors and growing businesses alike.
Personal Credit
Borrow against your monthly salary and get cash for whatever you need, then pay it back in easy monthly instalments over a tenor that suits you.
Personal & Business
Generator, freezer, laptop, machinery. Get what your home or business runs on today, and spread the cost over easy monthly payments.
Business Credit
Up to ₦15 million to restock, cover salaries and expand, repaid on terms that match how your cash actually flows.
Personal & Business
Finance the car or work vehicle you need, drive it home now, and pay it off in easy monthly instalments while it earns for you.
Business Credit
Won the contract but your cash is tied up? We fund the supply against your confirmed LPO, so you deliver without draining your account.
Speed where it counts
Approved loans land straight in your Capitalwise wallet, and each repayment settles from it on the due date. Every step is tracked in the app.
The Portfolio Manager Desk is built for brokers and introducers. Onboard your own clients, request facilities for them at your own rate, and let Capitalwise handle the capital, the credit checks and the disbursement.
See how the Desk works
Held at a licensed bank, not by us. Your balance never sits on our books.
Provided by Capitalwise Dynamic Pay Ltd, a licensed money lender under the Money Lenders Law of Lagos State.
Everything you need to know about Capitalwise credit, wallets and how we are licensed.
Still have questions?
Talk to a humanCapitalwise Dynamic Pay Ltd is a licensed money lender under the Money Lenders Law of Lagos State. We are not licensed or regulated by the Central Bank of Nigeria.
