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Our Loan Products — Smart Capital for Growing Businesses

At Winock Lending, we provide MSMEs with fast, flexible, and responsible financing tailored to their operational needs. Whether you’re scaling your business, purchasing assets, or managing cash flow — we’ve got your back.

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Business Loans

Capital that fuels your ambition.

  • Loan Size: ₦100,000 – ₦30,000,000

  • Eligibility: Registered & informal MSMEs

  • Repayment: Monthly

  • Tenure: 1 to 12 months

Features:
✔️ Minimal paperwork
✔️ Quick approval
✔️ Transparent terms — no hidden fees

Perfect for:

  • Inventory restocking
  • Operational expenses
  • Business expansion
  • Short-term working capital
Equipment Leasing & Asset Financing

Get the tools you need — without the upfront burden.

    • Assets Covered: Solar systems, vehicles, sewing machines, business equipment, and more

    • Model: Lease-to-own

    • Turnaround: Disbursement within 48 hours

    • Benefits:
      ✔️ Affordable monthly payments
      ✔️ Ownership at the end of the lease
      ✔️ Maintenance support (where applicable)

    Ideal for:

  • Retailers
  • Hospitality providers
  • Small scale manufacturers
  • Service-based businesses