Access up to ₦5 million in working capital with our streamlined SME loan process. Approval in 24 hours, flexible repayment terms, and no collateral required.
Licensed by CBN
NDIC Insured
Businesses Funded
Hour Approval Time
Maximum Loan Amount
Designed specifically for Nigerian SMEs to overcome financial hurdles and scale operations
From application to disbursement in one business day
No assets required to secure your financing
Significant capital to expand your operations
Flexible repayment aligned with cash flow
Our automated systems provide rapid responses to loan applications.
We understand the unique challenges Nigerian SMEs face. Our business loans are structured to provide the working capital you need when you need it most.
Our transparent pricing structure ensures you know exactly what you're paying.
Align payments with your business cash flow cycles.
Our business banking specialists are available to guide you.
Simple criteria to qualify for our business financing solutions
Our business banking specialists are available to guide you through the process and answer any questions.
Nurse
"When ASUU called off the strike and my daughter was to go back to school, the money I was expecting wasn't forthcoming. It's Oval Finance loans that helped us. I'm so grateful for their quick service."
Entrepreneur
"A run to app when Sapa comes knocking! Great interest rate. Unable to pay your loan when due? No worry! You can get an extension! Still need more funds while currently on a loan? Top up is ready!"
Business Owner
"This loan app is far the best because it has features which others don't, especially the loan extension. I have been using loan apps for years but didn't know there is one like Oval Finance."
Yes, you can apply for a new loan once your current loan is fully repaid. We also offer loan top-ups if you need additional funds while servicing an existing loan.
No collateral is required for our personal loans. You'll need to provide your BVN, valid ID, and proof of income during the application process.
You can repay your loan through our mobile app using your debit card, bank transfer, or by setting up automatic deductions from your salary account.
Most applications are approved within 5 minutes during business hours. Once approved, funds are disbursed instantly to your bank account.
We offer loan extensions if you need more time to repay. Simply contact our customer support before your due date to discuss available options.
You can reach us via email at support@ovalfinances.com, call our helpline at 01-700-OVAL, or use the live chat feature in our mobile app.
Beyond loans, we offer a suite of financial tools designed to help your business thrive:
Join thousands of Nigerian businesses that trust Oval Finance for their financial needs.
Custom-tailored financial products to support businesses at every stage of growth
Monitor your business performance with real-time analytics and financial reporting tools.
Handle all business expenses from one platform with automated bill payments and reminders.
Move money effortlessly between accounts with competitive transfer rates and limits.
Access capital when you need it with flexible loan products designed for business expansion.
Financial products tailored to your specific industry needs and growth objectives.
Plan ahead with repayment schedules that align with your business revenue cycles.
Traditional lenders often require extensive documentation and lengthy approval times. We've streamlined the process to get you funded quickly.
Basic business and personal identification documents only.
Most applications receive approval within 24 hours.
Complete your application entirely online from any device.
Enhance your sales flexibility by accepting in-store payments from any location. Our solution makes it easy and convenient for you to process payments wherever you are.
Accept all major debit and credit cards from your customers.
Compact devices that work with your smartphone or tablet.
Track transactions and customer trends from your dashboard.
We serve businesses across various sectors with tailored financial products
Restaurants, Caterers
Shops, Supermarkets
Transport, Delivery
Consulting, Agencies
Join thousands of Nigerians who trust Oval Finance for their quick loan needs. Download our app today!