Business / Corporate
It takes at least 30 days for us to complete our due diligence on first-time business loan applications, before disbursements can be initiated, if approved.
It takes less than 7 days for disbursements to be initiated for repeat/existing or returning business customers. Occasionally may be instant or under 24 hrs.
We do not provide instant or emergency loans to first-time business / corporate borrowers.
Individual / Personal
It takes at least 14 days for us to complete due diligence for first time individual/personal borrowers, before disbursements can be initiated if approved.
It takes less than 72hrs for disbursements to be initiated for repeat/existing or returning individual/personal customers, if approved.
We disburse from bank accounts or mobile payment accounts, from the following sources only:
- SM Financial Ltd, or
- Dedicated account of the group founder, Isaac Osei (temporary and in compliance with company/group board resolution and in line with our faster payment infrastructure, until post beta phase. Such accounts are not necessarily managed by the founder, but managed by qualified, trusted in-house staff with full auditable trail compliance.