Comprehensive Financial
Solutions
SmartKash Financials Limited offers a wide range of services including financial consulting, investment advisory, risk management, corporate finance, and personal finance solutions.
120K+
Satisfied Clients
₦2.5B+
Assets Managed
99.9%
Security Rate
15+
Years Experience
Our Core Services
Comprehensive financial solutions designed to meet your unique needs and goals.
Financial Consulting
Expert financial advice and strategic planning to help you make informed decisions about your financial future.
Investment Advisory
Professional investment guidance with access to diverse portfolios and market insights.
Risk Management
Comprehensive risk assessment and mitigation strategies to protect your financial interests.
Corporate Finance
Strategic financial solutions for businesses including capital structuring and growth financing.
Personal Finance Solutions
Tailored financial products and services to meet your individual financial needs and goals.
Our Loan Products
Flexible financing solutions with competitive rates and transparent terms.
MSME Working Capital Loan
Secured Business Financing
Term loans for registered small business owners, traders, and POS operators with collateral security.
₦100,000 – ₦2,000,000
3 – 6 months
Target Borrowers
Small business owners, traders, POS operators
Key Requirements
- Age 21–60 years
- Verifiable business (6+ months)
- BVN + valid ID
Payroll-Based Personal Loan
Salary Earner Financing
Short-term unsecured loans for salaried employees in public or private sector organizations.
₦50,000 – ₦500,000
1 – 3 months
Target Borrowers
Salaried employees (public/private sector)
Key Requirements
- Age 21–55 years
- Stable salary income
- Minimum ₦50,000 monthly salary
Asset Purchase Loan
Equipment & Vehicle Financing
Secured loans for purchasing motorcycles, tools, equipment, and other business assets.
₦200,000 – ₦1,000,000
6 – 12 months
Target Borrowers
Skilled workers, small business owners, logistics riders
Key Requirements
- Age 21–55 years
- Steady business income
- BVN + valid ID
General Loan Conditions
Late Payment Penalty
1–2% per week after grace period
Grace Period
5–7 days
Loan Top-up Policy
After 50% repayment with clean history
Early Repayment
No penalty (encouraged)
Default Handling
Reminder → Visit → Demand Letter → Legal
Simple Application Process
Get started with our streamlined application process
Eligibility Check
Review of credit scores and financial history
Documentation
Submit necessary documents and financial statements
Quick Approval
Fast approval process based on your profile
Fund Disbursement
Receive funds quickly upon approval
Ready to Start Your Financial Journey?
Join us at SmartKash Financials Limited, and let's navigate the financial landscape together.