Working Capital Loans
Short-term financing to keep your business operations running smoothly
Keep Your Business Moving Forward
Our Working Capital Loans provide the short-term funding your business needs to manage cash flow, cover operational expenses, and take advantage of immediate opportunities. Whether you need to purchase inventory, manage seasonal fluctuations, or cover payroll, our flexible terms can help meet your business needs.
With quick approvals and minimal documentation, you can access the funds you need when you need them.
Loan Amounts
₦500,000 - ₦5,000,000
Term Length
3 - 12 months
Interest Rate
From 2.5% monthly
Processing Time
As fast as 48 hours
How You Can Use Working Capital
Inventory Purchase
Stock up on inventory to meet customer demand, take advantage of supplier discounts, or prepare for seasonal peaks in business.
Payroll & Overhead
Cover essential expenses like employee salaries, rent, utilities, and other overhead costs during cash flow gaps.
Marketing & Promotion
Fund marketing campaigns, promotions, or special events to drive business growth and attract new customers.
Seasonal Cash Flow
Manage fluctuations in business cycles by ensuring adequate cash flow during slow periods or preparing for peak seasons.
Unexpected Opportunities
Seize unexpected business opportunities such as bulk purchase discounts or limited-time deals from suppliers.
Bridge Financing
Cover short-term needs while waiting for payments from customers or during the gap between invoicing and payment collection.
Eligibility Requirements
Business Age: Minimum 6 months in operation with stable revenue.
Documentation: Valid business registration, business bank account with at least 3 months of statements.
Revenue: Consistent monthly revenue with ability to service the loan repayments.
Credit History: Good standing with other financial institutions and lenders.
What Our Clients Say
Chioma Okafor
Retail Business Owner, Lagos
"The working capital loan from Vaultwise helped me stock inventory for the holiday season when I was facing cash flow challenges. The quick approval process was exactly what my business needed. I've since returned for a second loan!"
Emmanuel Adeyemi
Restaurant Owner, Abuja
"When my restaurant needed funds to cover payroll during a slow month, Vaultwise came through with financing in just three days. Their understanding of seasonal business fluctuations made all the difference."
Need Working Capital for Your Business?
Apply today and get the funds you need in as little as 48 hours. Our streamlined process makes it easy to access the capital your business needs.