Capital for your business
Flutterwave Capital offers Nigerian businesses quick access to flexible loans — up to ₦2M — to grow your business. No collateral required.
Loans are issued by our partner banks
It can be frustrating to have to jump through hoops to secure funding for your business. With Flutterwave Capital, we want to make sure business owners can access loans without fussing about collaterals, cumbersome documentation, and other stringent terms and conditions. Flutterwave Capital is fast — eligible applicants can access the money they need within two business days.
Quick application
Confirm your eligibility and receive the funds the next business day. No extra documentation required.
Affordable pricing
Loans are based on Reducing Balance Rate which means interest is recalculated based on the outstanding balance.
Convenient repayment
Repayment is seamlessly processed as a percentage of daily sales.
How it works
Use our eligibility checker to confirm if you're eligible for a loan and how much you can apply for.
Confirm your eligibility
Confirm your eligibility for a loan by logging into your dashboard to see available offers.
Choose offer
Choose an offer that best matches your business needs.
Receive funds
We review your offer and pay the money in your account in 1-2 business days.
Pay back
Automatically repay the loan based on the agreed flexible repayment plan.
Frequently asked questions
How do i repay my loan?
The loan amount due daily will be debited from your daily sales before settlement into your wallet.
Can I get a different loan amount?
Yes, you can but acceptance will be subject to your credit eligibility.
What happens if i miss a payment?
There will be a 1% penal charge on the outstanding amount after 3 days moratorium of the full month repayment date.
How does repayment work?
This will be done daily from the next day disbursement.
What's the interest rate
We will display the interest rates each of our lenders charge. For example, MoneyWise MFB charges 5% flat per month.
What's the highest loan
Your highest loan amount is subject to 50% of your total processed volumes on Flutterwave.
Ready to get a loan?
Flutterwave Capital is currently only open to businesses in Nigeria based on their payment volume and transaction history with Flutterwave. We will subsequently expand the program to cater to other businesses everywhere on Flutterwave. Loans are issued by our partner banks, all loans subject to credit approval.