Licensed by the Central Bank of Nigeria · RC: 6894581
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Kabimya Finance Company Ltd
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Working capital for businesses that move

Facilities for market traders, transport operators, SMEs and private school owners — repaid daily, weekly or monthly to match how your business earns. Applied for online, verified in person at your business, and disbursed straight to your bank account.

Working capital for businesses that move. Whether you earn daily, weekly, or monthly, we have a facility structured to match your cash flow.

Trader Working Capital

MarketPlus Daily

Stock and working capital for market traders, repaid every business day.

DailyDaily cash-flow cycle
Obligor limit
Up to ₦2,000,000
Tenure
20 or 40 daysWeekdays only
Interest rate
10% – 15%10% over 20 days, 15% over 40 days — paid upfront
Processing fee
2.5% of the facility, paid upfront
Other charges
₦1,500 for form, passbook and CRC
Repayment
Daily amortised instalment, Monday to Friday
Security
Individual guarantor and group guarantee
Late payment
1% weekly
Apply for MarketPlus Daily
Group Solidarity Facility

MarketPlus Weekly

The same capital on a weekly cycle, for trader groups who stand behind each other's repayments.

WeeklyPeer-guaranteed capital
Obligor limit
Up to ₦4,000,000
Tenure
5, 12 or 16 weeks
Interest rate
10% – 18%10% over 5 weeks, 15% over 12 weeks, 18% over 16 weeks — paid upfront
Processing fee
3% over 12 and 16 weeks, 2% over 5 weeks — paid upfront
Other charges
₦2,000 for form, passbook and CRC
Repayment
Weekly amortised instalment, with savings alongside if you choose
Security
10% security deposit upfront, individual guarantor and group guarantee
Late payment
1% weekly
Apply for MarketPlus Weekly
Fleet & Mobility Finance

Road2Better

Fuel, maintenance and cash-flow cover for Okada, Napep and mini-bus operators.

DailyFuel, repairs & operations
Obligor limit
Up to ₦400,000₦200,000 over 20 days, ₦400,000 over 40 days
Tenure
20 or 40 daysWeekdays only
Interest rate
10% – 15%10% over 20 days, 15% over 40 days — paid upfront
Processing fee
2.5% of the facility, paid upfront
Other charges
₦1,500 for form, passbook and CRC
Repayment
Daily amortised instalment, Monday to Friday
Security
A group of 5 – 10 operators with a leader and secretary, plus a guarantor who owns a lock-up shop
Late payment
1% weekly
Apply for Road2Better
Equipment & Asset Finance

AssetMonie

Equipment and productive assets for SMEs, paid for directly with the vendor.

WeeklyDirect vendor disbursement
Obligor limit
Up to ₦10,000,000
Tenure
16 weeks
Interest rate
18%Paid upfront, alongside a 20% equity contribution
Processing fee
3% of the facility, paid upfront
Other charges
₦2,000 for form, passbook and CRC
Repayment
Weekly amortised instalment
Security
20% equity contribution upfront, the financed asset itself, and an individual guarantor
Late payment
1% weekly
  • You supply a proforma invoice from an approved vendor, and our verification officer visits that vendor to confirm the price, quality and specification before anything is paid.
  • We pay the vendor directly and hold the receipts. You maintain and service the asset, and ownership transfers to you once the facility is fully repaid.
Apply for AssetMonie
Fast-Track Contract / LPO

Fast1

Short-term finance to execute a local purchase order and deliver on contract.

Monthly30-day turnaround cycle
Obligor limit
Up to ₦5,000,000
Tenure
1 month
Interest rate
7.5% flatFor the full one-month cycle
Processing fee
3% of the facility, paid upfront
Other charges
₦1,000 for form and CRC
Repayment
One repayment at the end of the cycle
Security
10% security deposit upfront, individual guarantor, post-dated cheques and collateral
Late payment
2% monthly
Apply for Fast1
SME Scaling & Inventory

CapitalPro

Flexible medium-term capital for inventory, equipment and scaling up.

MonthlyFlexible 2–9 month tenor
Obligor limit
Up to ₦10,000,000
Tenure
2 – 9 months
Interest rate
5% flatPer month, over the tenor you choose
Processing fee
3% of the facility, paid upfront
Other charges
₦1,000 for form and CRC
Repayment
Monthly amortised instalment
Security
10% security deposit upfront, individual guarantor, post-dated cheques and collateral
Late payment
2% monthly
Apply for CapitalPro
Private Education Facility

SchoolPlus

Working capital for private school owners, structured around the school calendar.

MonthlyHoliday interest moratorium
Obligor limit
Up to ₦10,000,000
Tenure
2 – 9 months
Interest rate
5% flatPer month, over the tenor you choose
Processing fee
3% of the facility, paid upfront
Other charges
₦1,000 for form and CRC
Repayment
Monthly amortised instalment, interest only through the holidays
Security
10% security deposit upfront, individual guarantor, post-dated cheques and collateral
Late payment
2% monthly
  • Holiday moratorium: through the school holidays you service interest only, then resume full instalments when the new term begins.
Apply for SchoolPlus

Who can apply

  • A running businessAn active business you operate from a physical shop, office or premises we can visit and verify.
  • Age and standingBetween 21 and 60 years old, and well known in the market or trading environment you operate in.
  • Clean credit historyChecked on CRC and First Central before anything else. An unfavourable report ends the application there.
  • Guarantor and documentsA guarantor with valid ID, two passport photographs and a recent utility bill each, plus completed KYC. Monthly facilities also need BVN and six months of bank statements.

From application to disbursement

  1. 1
    You apply and meet a loan officer

    Start on this website. A loan officer takes you through the product, completes your application and collects your documents and your guarantor's.

    24 hours
  2. 2
    Credit history check

    Branch operations runs you and your guarantor through CRC and First Central before the file goes any further.

    7 minutes
  3. 3
    Field verification

    A verification officer visits your shop and home, then your guarantor's, to confirm your stock, your business activity and everything you have told us.

    15 hours
  4. 4
    Agreement and orientation

    Your team lead executes the loan agreement with you, walks you through repayment expectations and default penalties, and prepares your passbook.

    10 minutes
  5. 5
    Upfront payments and booking

    You settle the upfront interest, processing fee and any security deposit, and we open your contract and virtual account.

    5 minutes
  6. 6
    Underwriting and schedule

    Underwriting books the contract and sets the repayment schedule you will follow for the tenor.

    15 minutes
  7. 7
    Legal documentation

    Legal prepares the deed of guarantee for facilities from ₦1,000,000, transfers of ownership for collateral, and any consent letters.

    24 hours
  8. 8
    Approval and disbursement

    Credit risk approves, then operations verifies your bank details and pays the funds into your account — or, for AssetMonie, directly to the vendor.

    24 hours

Turnaround times are our operating targets from the point each stage begins, and assume your documentation and verification are complete.

Ready to apply for a facility?

Start online and a loan officer takes it from there. Our standard time to disbursement is within 72 hours of your submitting everything we have asked for.

Start your application →