F Frasus Business Support
Transparent lending

Credit and business support, built for Nigeria.

Apply in minutes, see the full cost before you commit, and manage repayments, your wallet and everyday bills in one place.

Create an account Loan calculator
  • No hidden charges
  • Decisions you can question
  • Your data stays yours
A trader arranging tomatoes at her market stall
Priced in the open Interest, fees and the equivalent annual rate, before you accept.
Encrypted identity Your BVN and NIN are encrypted, and every access is logged.
Respectful recovery We never contact people in your phone's address book.

Four steps, start to payout

Most of it happens on your phone, in one sitting.

  1. 1

    Create your account

    Name, phone and email. Four fields, then a code to confirm your number.

  2. 2

    Verify your identity

    Your BVN or NIN and an address. We only ask for more when it matters.

  3. 3

    Choose and apply

    See what you qualify for and exactly what it costs, then apply.

  4. 4

    Get paid out

    Accept your offer and the money goes to your verified bank account.

Built for people like you

Salary earners, business owners, cooperative members and first-time borrowers — the people credit in Nigeria is supposed to serve.

Monthly income

Salary earners

Bridge a gap before payday or spread a school-fees bill, on terms fixed in writing before you accept them.

Working capital

Business owners

Buy inventory, cover a payroll month or take a bigger order, with repayments that match how money comes in.

Group savings

Cooperative members

Contribute, borrow against your savings and see your own record — without waiting for anyone to check the book.

Building a record

First-time borrowers

Start with a smaller amount, repay on time, and earn access to larger limits and better terms as your record grows.

A trader roasting plantain at her market stall
For traders

Credit should fit the work, not the other way round

Income in Nigeria rarely arrives in neat monthly instalments. We assess what you actually earn and what you actually spend, and build a schedule around it — then show you the whole cost before you sign anything.

  • No daily rates you cannot track
  • Nothing to pawn
See what it would cost

Built around what actually matters

Not scale for its own sake — the things that decide whether credit helps or harms.

4 verification tiers, so you only share what is needed
0 hidden fees — every charge is itemised up front
100% of decisions record the reasons behind them
24/7 access to your balance, schedule and statement

Our products

Every figure includes interest and fees, itemised.

Personal Loan

For planned personal expenses

Up to ₦500,000

1–6 months · from 4.00%/month

Get started

Salary Advance

Bridge to your next payday

Up to ₦200,000

1–1 months · from 5.00%/month

Get started

Business Growth Loan

Working capital for your business

Up to ₦2,000,000

3–12 months · from 3.50%/month

Get started

Emergency Loan

Fast help when it matters

Up to ₦100,000

1–3 months · from 4.50%/month

Get started

Members' loan

Borrow against what you have saved

Up to ₦2,000,000

1–12 months · from 3.00%/month

Get started
A shop owner standing at the counter of his provisions store
For small business

Money that arrives when the order does

A working capital loan is only useful if it lands before the stock does. Applications are assessed against your real trading position, and once an offer is accepted the funds go to your verified account — with a second pair of eyes on the release, every time.

  • Schedule matched to your cash flow
  • Settle early and pay less interest
Apply for working capital
For groups

Cooperative societies, properly run

Contributions, member records and society loans in one place, with a ledger every member can be shown. Built for staff cooperatives, market associations and trade groups that are tired of running a society out of a notebook.

How it works for societies

One ledger

Every contribution and loan, visible to the member it belongs to.

Clear rules

Society rules applied the same way for everyone, every time.

Built to be understood

The things that usually go wrong with digital lending, handled deliberately.

Compare loans honestly

A 4%-a-month flat loan costs far more than a 4%-a-month reducing-balance one. We show the equivalent annual rate on both, so you can tell.

A person, not just a score

Decisions record the reasons behind them, and you can ask a human to review one. No silent, unexplained refusals.

Everything in one place

Borrow, repay, top up airtime and data, pay electricity and TV, and build a record that unlocks better terms.

Privacy you control

Download what we hold, correct it, withdraw consent or ask us to delete it. We will tell you what we must keep, and why.

Ready to get started?

Create your account in under two minutes. No charge to apply.

Create an account About us
Frasus Contracts Int'l Concept · RC 9574980
Borrowing costs money. Only borrow what you can afford to repay.