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Our products

Finance designed around a clear purpose.

Explore our product pathways, understand the essential features, and choose the right conversation for your circumstances.

Focused solutions

Review the purpose, indicative amounts, tenures and essential requirements of every Zaradera product before deciding what may fit your needs.

Product 01

Smile Loan

Short-term microcredit for immediate liquidity needs.

A streamlined credit option designed to support cash-flow management with quick disbursement and flexible repayment options.

Key information

  • Loan amount: ₦2,000–₦100,000
  • Quick disbursement
  • Flexible repayment options
  • Minimal collateral requirements
  • Rapid underwriting for timely access to capital

Product 02

EasyRent

A PropTech-driven solution for easier rental payments.

Developed with property owners, EasyRent supports tenants with a seamless monthly payment process. Zaradera pays the accumulated rent to the property owner at the end of each rental year, helping owners receive rent while tenants manage a structured monthly commitment.

Key information

  • Monthly rent instalments for tenants
  • Accumulated annual rent paid to the property owner
  • Structured payment mechanism
  • Designed to strengthen trust between tenants and property owners

Product 03

FundMe

Acquire eligible assets without making a full upfront payment.

Zaradera purchases the asset in its name and transfers usage rights to the customer, when the agreed obligation is completed.

Key information

  • Eligible assets may include real estate, vehicles and equipment
  • Tenure: 3–12 months
  • Customer equity contribution: 30%
  • Ownership transfers after agreed payments are completed
  • Subject to financial-capacity assessment

Product 04

Sustain Loan

Accessible support for urgent salary-earner commitments.

A flexible repayment option for medium-income salary earners seeking financial support for urgent commitments.

Key information

  • Loan amount: ₦10,000–₦1,000,000
  • Tenure: 1–12 months
  • Monthly income eligibility: ₦200,000–₦400,000
  • Simplified application for quick access
  • Structured monthly or lump-sum repayment options
  • No hidden fees

Product 05

MiniBiz Finance

Structured support for registered micro-business owners.

Financing from ₦200,000 to ₦500,000 for registered micro-businesses seeking liquidity for operational stability and growth.

Key information

  • Loan amount: ₦200,000–₦500,000
  • Business must be registered
  • Minimum six months in operation
  • Proof of consistent cash inflow
  • Tenure: 3–6 months, aligned with revenue cycles
  • Competitive rates subject to assessment

Product 06

Capacity Loan

Short-term financing for high-net-worth individuals.

Designed for high-net-worth individuals requiring timely access to substantial short-term financing for individual needs.

Key information

  • Loan amount: ₦1,000,000–₦5,000,000
  • Tenure: 1–12 months
  • Flexible structured monthly or lump-sum repayment
  • Rates tailored to applicant profile
  • Collateral may be required following risk assessment

Product 07

BoomBiz Finance

Accessible funding for established SMEs with consistent cash flow.

Supports SMEs that have demonstrated consistent cash flow over the previous three years, helping sustain operations and measured growth.

Key information

  • Loan amount: ₦1,000,000–₦10,000,000
  • Tenure: 12 months
  • Monthly or quarterly repayment, subject to agreement
  • Business must have operated for at least three years
  • Collateral and acceptable business inventory/assets may be required
  • Pre-qualification, assessment, documentation, approval and disbursement process