---
title: "Shara: Business Loans and Revolving Credit"
description: "Get collateral-free SME loans up to ₦10M in Nigeria. Revolving credit line; pay interest only on funds drawn. Approval in 48 hrs–2 weeks."
canonical_url: "https://liners.com/shara"
markdown_url: "https://liners.com/shara.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/shara-2/screenshot.webp?v=1772383272682"
published_at: "2026-03-01T17:14:15.376Z"
updated_at: "2026-09-17T20:24:44.615Z"
---

# Shara: Business Loans and Revolving Credit

Get collateral-free SME loans up to ₦10M in Nigeria. Revolving credit line; pay interest only on funds drawn. Approval in 48 hrs–2 weeks.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Shara](/shara)

## Summary

Collateral-free SME loans up to ₦10M in Nigeria

A Nigerian fintech app that offers collateral-free business loans up to ₦10M for SMEs, with revolving credit, fast approval, and interest charged only on funds drawn.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.shara.co/ |
| Tagline | Collateral-free SME loans up to ₦10M in Nigeria |
| Primary country | Nigeria |
| Platforms | Android, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Shara is a fintech lending platform that provides **collateral-free business loans** to **SMEs in Nigeria**, helping merchants access working capital and growth financing without collateral or guarantors.

Key capabilities include:
- **Business loans up to ₦10M**, positioned for Nigerian sole traders, partnerships, and limited companies
- **Revolving credit line**, where borrowers pay **interest only on funds drawn**, with repeat access tied to repayment history and verifiable revenue growth
- **In-app loan estimate calculator** to get an estimate in seconds before applying
- **Application requirements and review**, including basic business information and **bank statements**, with typical approval timelines of **48 hours to 2 weeks**

Available via **Web** and **Android** (Google Play).

Built for **Nigerian SMEs and merchants** that need short-term financing to stock inventory, meet supply demands, and manage cash flow, including businesses in categories such as processed foods, consumer electronics, FMCG, and building materials. It is notable in Nigeria’s SME finance market for reporting **over ₦50BN disbursed**, **100k loans taken**, and **7,000+ businesses served**, plus support for merchant **installment purchase financing** (BNPL-style) by funding trusted customers.

## Features

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

## Related pages

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

## Access and citation

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