---
title: "Lendigo: Business Loan App in Nigeria"
description: "Get collateral-free SME loans in Nigeria: ₦100k–₦20m, paid in 24–48hrs. Repay 1–6 months; 3.5–4% monthly interest + 0.5–1% fee."
canonical_url: "https://liners.com/lendigo"
markdown_url: "https://liners.com/lendigo.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/lendigo/screenshot.webp?v=1773172778978"
published_at: "2026-03-12T14:43:15.289Z"
updated_at: "2026-10-06T15:10:58.888Z"
---

# Lendigo: Business Loan App in Nigeria

Get collateral-free SME loans in Nigeria: ₦100k–₦20m, paid in 24–48hrs. Repay 1–6 months; 3.5–4% monthly interest + 0.5–1% fee.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Lendigo](/lendigo)

## Summary

Fast, collateral-free business loans for Nigerian SMEs

A digital lending platform that provides collateral-free business loans in Nigeria for SMEs, distributors, auto dealers, e-commerce merchants, and POS agents.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.lendigo.ng/ |
| Tagline | Fast, collateral-free business loans for Nigerian SMEs |
| Primary country | Nigeria |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Lendigo is a digital lending platform that provides **collateral-free business loans** to **small and medium enterprises (SMEs) in Nigeria**, including traders, distributors, auto dealers, e-commerce merchants, and POS agents.

Key capabilities include:

- **Unsecured loan offers** starting from **₦100,000**, with sector-specific facilities that can extend up to **₦20,000,000** depending on the business type.
- **Fast application and disbursement**, with processing and payout typically completed within **24 to 48 hours** after applying.
- **Sector-tailored lending** for **small business owners (retail, trading, and professional services)**, **auto dealer financing**, **e-commerce merchants** (including merchants selling on platforms such as **Jumia**, assessed using recent sales data), **FMCG distributors** (Key-Distributors and Sub-Distributors financing purchase orders to manufacturers), and **POS agents**.
- **Short-term repayment options**, with **1 to 6 months** repayment terms, **early repayment** supported, and **monthly interest rates from 3.5% to 4%** depending on the facility; **processing or commitment fees** apply (typically **0.5% to 1%** of the loan amount).

Available on **Web (via [https://app.lendigo.ng/login](https://app.lendigo.ng/login))** and **Android**.

Built for **Nigerian SMEs** that need working capital for inventory, supplier orders, dealership stock, or day-to-day operations, especially businesses with measurable **cash flow and transaction history**.

It is notable in Nigeria’s SME finance market for focusing on **performance and transaction-based assessment** rather than collateral requirements, and for reporting **₦6b+ in loans disbursed** to **2.5k+ unique customers** and **2k+ SMEs** (operated by **Drance Nigeria Limited**).

## 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](/lendigo/alternatives)
- [Reviews](/lendigo/reviews)
- [Transparency](/lendigo/transparency)

## Access and citation

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