Swipe36

Grow your business with a line of credit.

Get the funds you need quickly and easily at a competitive rate.

What are the requirements to request a loan?

Business is incorporated in Nigeria and operating for 12+ months

Maintain a minimum credit score of 660 points.

Maintain a minimum monthly verifiable income of N10 million.

Have no debts with arrears registered in the last 24 months.

Get your Loan in few easy steps

FAQS

Questions? Answers.

If you’ve got questions, we can help.

Call in and talk to real person on our customer
service team.

Who can apply for a Swipe36 loan?

Will you check my credit?

When you apply, Swipe36 will not conduct a hard credit check, so your personal credit score will not be affected. Instead, we conduct soft credit inquiries on both the business and the owner(s) to underwrite or to service your loan, and we only conduct these after you’ve agreed to these inquiries during the application process. These soft inquiries will not impact your business or personal credit score or show up on future reports obtained by other lenders.

What can I do to ensure a quick decision?

What is a business credit card?

Can I still get a Swipe36 Line of Credit if I possess a credit card?

Aside from interest, what are Swipe36’s fees?

Like many lenders, Swipe36 charges a one-time origination fee that is based on the strength of your credit profile. There are never any upfront fees to apply. One of the key benefits of a Swipe36 loan is no prepayment penalties. This means, if you pay off your loan early, you will not pay any additional fees. Also, if your monthly payment is more than 10 days late, we may charge a late fee of up to 5% of each missed payment amount. The late fee will be payable immediately and is in addition to your missed payment.

Still have questions?

Read the full FAQs

Get instant access to approved draws with a complimentary Business operating account

Apply for credit lines up to N30 Million and only pay for what you use.

Flexible repayments in 45 days or in installments

Repay your loan early without paying any charges.

Provide basic info about your business, and get a decision in as fast as five minutes. Plus, applying won’t impact your credit score.

Request funds in a click, and see approved draws in your account in as fast as 24 hours

Repay automatically on a fixed schedule, plus make additional payments manually without prepayment fees. Your credit line replenishes as you make repayments.

We report repayment history to business credit bureaus which may help build your business credit as you make on time payments.

FAQS

Questions? Answers.

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