Short-tenor lending, done right.
Issue payday loans and salary advances with instant decisions, payroll-aligned repayment dates, and built-in safeguards to keep both borrowers and your portfolio healthy.
- Sub-minute eligibility checks
- Repayment dates aligned to next payroll
- Configurable max exposure per borrower
- Cooling-off periods between consecutive loans
What lenders in this space tell us.
Borrowers need cash now
Salary advance borrowers expect an answer in seconds. A 2-day review pipeline loses every applicant.
Default risk piles up fast
Without exposure caps and cooling-off rules, the same borrowers re-borrow over and over until they default.
Compliance scrutiny is rising
Regulators are watching short-tenor consumer credit closely. You need audit trails on every decision.
Everything you need to run this product line.
Instant credit decisioning
Score every application in seconds using BVN, employment status, and prior repayment history.
Payroll-aligned repayments
Schedule repayments to land the day after payroll. Higher recovery, less friction with the borrower.
Exposure caps + cooling-off
Set max active exposure per borrower and minimum gap between loans. Protect borrowers from over-borrowing.
Auto disbursement
Approved loans disburse directly to the borrower's verified account. No manual transfers.
Pre-due reminders
Borrowers get reminders 3 days, 1 day, and day-of repayment. Less manual chasing, better outcomes.
Audit-ready trail
Every approval, denial, and disbursement is logged with the inputs that produced the decision.
Salary advance lending, without the runaway risk.
Configure your product limits, set your repayment rules, and start lending today.