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Simple. Fast. Responsible Financing

Empowering Micro, Small and Medium Enterprises (MSMEs) for the Future

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Loan Application Requirements

  • Completed Loan Application Form
  • Valid Government-Issued ID (e.g. NIN, Driver’s License, Voter’s Card, International Passport)
  • Passport Photograph
  • Utility Bill or Proof of Address (not older than 3 months)
  • Bank Statement (6 months for individuals, 12 months for businesses)
  • Proof of Business or Employment (CAC documents)
  • Guarantor’s Details:
    • Full name, contact information, valid ID, and employment/business details

Note: Guarantors will be contacted to verify their consent and understanding of the guarantee responsibilities.

Speed

From application to disbursement, we cut the red tape so you can focus on growth.

Transparency

Clear terms, no hidden fees. We believe in open communication and straightforward financial solutions.

Financial Inclusion

Empowering underserved MSMEs. Access credit designed for entrepreneurs often overlooked by traditional lenders.

Low Interest Rate

Affordable financing tailored for MSMEs. Enjoy competitive rates that help your business grow sustainably.

Flexible and Affordable Financing

Our Financial Solutions: Flexible and affordable loan products tailored for every business size.

1000 +
MSMEs Supported
Over N 0 B
Disbursed
Winock Loan Calculator

Loan Calculator

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Repayment Schedule

Have a question?

Frequently Asked Questions.

Any registered micro, small, or medium business in Nigeria with verifiable operations.

Valid ID, proof of business activity, bank statement, and utility bill.

Monthly repayments are made through a virtual account generated for the customer via bank transfer.

Loan amounts are determined based on business capacity and documentation provided, but typically range from ₦100,000 to ₦10,000,000.

Loan processing takes between 24 to 72 hours after complete documentation and guarantor verification.

Yes, all applicants are required to provide at least one guarantor with verifiable identity and contact information.

No. Customers must fully repay their existing loan with Winock Lending  before applying for a new one.

Yes. All guarantors listed on the application will be contacted to verify their consent and ability to stand as guarantors before disbursement.

In the event of default, Winock Lending will initiate recovery processes which may involve contacting your guarantor, and possibly taking legal steps in accordance with the loan agreement.