Financing For Future Growth

Unlock one-click access to same day credit from your Lidya Wallet.

Sign-up for faster disbursements, flexible repayments.

Solutions for Business
Owners Like you

Same-day Working Capital Loans

Grow your Business

Access quick and easy operating loans to pay invoices, suppliers and invest in your business growth.

Simplest Process

Connect your bank accounts and apply to a loan instantly.

Access to any Healthy Businesses

By using Lidya Finance-on-Demand Platform you will provide a constant view of your business performance being able to access loans with no other conditions or collateral.

Lidya Boost

Apply For Same-day Loans

Learn More about business loans

Lidya Treasury

Send Money And Receive Money Through Your Lidya Wallet For Free

Learn More about lidya treasury

Lidya POS

Receive Payments From Lidya Pos In Real-Time And For Free.

Learn More

Lidya Collect

Place A Direct Debit Mandate On The Account Of A Customer And Automate Collections.

Learn More about lidya collect

Lidya Forecast

One Dashboard With All Your Transactions And Projections.

Learn More about lidya forecast

Lidya Boost

Apply For Same-day Loans

Learn More

Lidya Treasury

Send Money And Receive Money Through Your Lidya Wallet For Free

Learn More

Lidya POS

Receive Payments From Lidya Pos In Real-Time And For Free.

Learn More

Lidya Collect

Place A Direct Debit Mandate On The Account Of A Customer And Automate Collections.

Learn More

Lidya Forecast

One Dashboard With All Your Transactions And Projections.

Learn More

How It Works?

01º

Create an Account

Create your business profile and roles so you and your team can access Finance-on-Demand.

02º

Connect your Transaction Data

By submitting your bank statements or by connecting your bank account, you can securely connect your data and simply access Finance-on-Demand.

03º

Access your Capital

Start enjoying your loans in 48h* and Finance-on-Demand services.

Loans

for Business Owners Like You

Lidya Loan

177.375,00

Naira

500,00

350.000,00

Get a loan

Does my Business
qualify?

  • Have a business for 6 months or more.
  • Have one or more business bank accounts with 6 months of transaction history.
  • Need to grow your business with working capital.
  • Need a quicker and easier solution than the ones found in the traditional financing sources.

Benefits

Instant Application

Same-day Loan

No Paperwork

No Collateral

Real Time Access

Better Loan Terms Over-time with Lidya Score

Testimonials

The recent loan I got from your organization is ok and is easier than before, keep it up! I also want to appreciate your staff for their good work always. Thanks for the new development from your organization.

Segun Abiola

Lidya has assisted my business so far so good and I appreciate pls keep the good work up

Ahmed Ismaila

Your loan has really helped me to expand my business. It has really been helpful.

Emorioloye Irekanmi

The support of our Bakery Business through financing over the last two years has been enormous and impactful. The support had enabled us to increase our production capacity in terms of buying raw materials needed for production

Ayobami Ogunkeye

Industries we Support

  • Funding Food
  • Funding the Internet
  • Funding Retail and Distribution
  • Funding Banking 2.0
  • Funding Power
  • Funding Transportation
  • Funding Construction
  • Funding Any Healthy Business Like Yours

Apply for a
Loan Today.

Create your Account Now

Sign-Up

FAQs

I want a loan with Lidya. How do I go about the process?

From the 4th of July, 2022, Lidya customers can directly access our Credit Boost service on our new platform www.webapp.lidya.info Simply:

Sign up and follow the steps to creating your account
Link all your bank accounts securely
Start actively using your Lidya Wallet for your business transactions
Get one-click access to loan applications, with no need to submit your three months bank statement.

Sign-up Video Learn More

I am an existing customer and I want to apply for a new loan?

From the 4th of July, 2022, all Lidya customers can directly access our Credit Boost service on our new platform www.webapp.lidya.info Simply follow the steps to creating your account, link all your bank accounts securely, and start actively using your Lidya Wallet for your business transactions, to get one-click access to loan applications. There will be no need to submit your three months bank statement, speak with your existing agent for originations or renewals, your mandate will be automatically sent to your registered email for acceptance and your loans will be disbursed into your Lidya Wallet.

Sign-up Video

I am an existing customer, what are the changes to applying for a new loan?

From the 4th of July, 2022, all Lidya customers can directly access our Credit Boost service on our new platform webapp.lidya.info. Simply follow the steps to creating your account, link all your bank accounts securely, start actively using your Lidya Wallet for your business transactions and get one-click access to loan applications. There will be no need to submit your three months bank statement or speak with your existing agent for originations or renewals. Your mandate will be sent automatically to your registered email for acceptance and loans disbursed into your Lidya Wallet. Should you have issues with your applications, contact us at customers@lidya.info and an agent will reach out to support you.

I am an existing customer, can I still get different loans with more than one bank statement?

From the 4th of July, 2022, all Lidya customers can directly access our Credit Boost service on our new platform www.webapp.lidya.info You will no longer be required to submit bank statements and will receive only one loan offer, based on all the analyzed accounts linked to your Lidya Wallet.

Simply follow the steps to create your account
Link all your bank accounts securely
Start actively using your Lidya Wallet for your business transactions
Get one-click access to loan applications.

Sign-up Video Add Bank Account

I am unable to contact my loan officer to renew my loan. Can you send me the number or email for my officer?

Our goal at Lidya is to provide businesses with financial tools and insights that help shape your business to become more credit eligible. Using the new Lidya Finance-on-Demand platform allows businesses to understand their cash flow and projected revenue in real-time from one single place. Ensuring you start actively using your Lidya Wallet for your business transactions and all your bank accounts are added to the platform could also help in increasing your eligibility. Once you become eligible for a loan, the "Apply for a Loan" Button will come alive and become functional to begin applying.

Am I eligible for a Loan?

To know if you are eligible for a loan, you will need to start actively using your Lidya Wallet for your business transactions and link all your existing bank accounts after creating your account. Once done our technology will constantly analyze your transactions and determine the amount, tenor and flexibility of repayments that you are eligible for, making it easy to give you offers instantly.

What if I'm not eligible today?

Our goal at Lidya is to provide businesses with financial tools and insights that help shape your business to become more credit eligible. Using the new Lidya Finance-on-Demand platform allows businesses to understand their cash flow and projected revenue in real-time from one single place. Ensuring you start actively using your Lidya Wallet for your business transactions and all your bank accounts are added to the platform could also help in increasing your eligibility. Once you become eligible for a loan, the "Apply for a Loan" Button will come alive and become functional to begin applying.

Is my profile on the Credit Bureau affecting my application?

To access your loan eligibility, we do regular updates of our lending portfolio data on the credit bureau for loan compliance or defaults. Once your loan with us is fully paid off (including late interest), it takes four working days for your profile to be updated with our external credit bureau partners. For additional assistance, if clearance is pending, please contact customers@lidya.info.

What are the Loan Acceptance Criteria?

Make sure your account has transactions from the last 3 months, not only balance. Our algorithm needs to have proof that you have an active business.
Make sure you have balance on at least a single bank account.
Make sure your accounts have a single currency.
Make sure the currency defined in the file is valid for the country.
Make sure your Bank Statement created by website loan request is done with an unique account.
Make sure your used bank account is not already connected to another customer

How does the loan repayment structure work?

Lidya uses Bank Statement Financing, which is a 30-day cash advance calculated based on the value of your 3-month transactions. This is a revolving facility that will allow you to access better offers in interest rates, tenors, flexible repayment terms and higher amounts for financing!

For example, your interest rate is 3.5% and a management fee of 2,500 per 100,000. You will pay 1,063,000 for a loan of 1,000,000.

How do I get information on my loan balance?

All loans are currently being migrated to the Lidya Finance-on-Demand platform webapp.lidya.info Once our migration is complete, all customers will be able to view their loan balance in real-time. In the interim, please reach out to our customer support team via email at customers@lidya.info or your loan officer [Insert email of officer].

How do I link my bank accounts?

Go to the Add Bank Account button at the top right hand of the platform. Choose your access point, your mobile or Internet login, and input the corresponding details to your personal or corporate bank account to connect. Once done, your bank details, balance and transactions will be connected and displayed after your Lidya Wallet section

Sign-up Video Add Bank Account

I tried linking my bank account but it's not working?

We are working to resolve the challenges experienced in adding your bank accounts as soon as possible, in the interim, a member of our team will reach out to assist you. We want to ensure that you can access Finance-on-Demand quickly and smoothly. In the meantime, you can start actively using your Lidya Wallet and apply for a loan, here, by filling in the form.

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