---
title: "Lendha: Business Loans and Spend Management"
description: "Get instant working capital loans for Nigerian SMEs—₦50,000 to ₦10,000,000, no paperwork/collateral, up to 6 months. Approvals in minutes."
canonical_url: "https://liners.com/lendha"
markdown_url: "https://liners.com/lendha.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/lendha/screenshot.webp?v=1780390600571"
published_at: "2026-03-09T17:38:26.497Z"
updated_at: "2026-09-15T22:49:05.988Z"
---

# Lendha: Business Loans and Spend Management

Get instant working capital loans for Nigerian SMEs—₦50,000 to ₦10,000,000, no paperwork/collateral, up to 6 months. Approvals in minutes.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Lendha](/lendha)

## Summary

Instant business loans and spend management for SMEs

A fintech platform offering instant business loans and spend management tools for Nigerian SMEs and micro-entrepreneurs to support cash flow and growth.

## Product details

| Field | Value |
| --- | --- |
| Website | http://www.lendha.com/ |
| Tagline | Instant business loans and spend management for SMEs |
| Primary country | Nigeria |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Lendha is a fintech platform that provides **instant business loans** and **spend management** tools for small businesses in Nigeria that need working capital and better cash flow control.

Key capabilities include:

- **Working capital loans** with **approvals in minutes or hours**, designed to support day-to-day business cash flow.
- **Loan amounts from ₦50,000 to ₦10,000,000**, offered **without paperwork or collateral**, with **tenures up to 6 months.**
- Uses an **automated credit check and risk assessment engine** that instantly analyzes 6 months of store transaction data and revenue histories to speed up lending decisions
- **Spend management and business tools** such as **invoice generation**, **payment schedules**, and **cashflow analysis.**

Available on **Web**.

Built for **SMEs, micro-entrepreneurs, and business owners** seeking short-term financing and practical tools to manage business spending.

Notable in the Nigerian fintech market for combining **digital lending** with **spend management** in one platform; the company was founded in **2020** and is headquartered in **Lagos, Nigeria**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/lendha/alternatives)
- [Reviews](/lendha/reviews)
- [Transparency](/lendha/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/lendha)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)