For entrepreneurs and salaried workers in Lagos
A supplier wants cash today. Your bank wants three weeks.
Loan Merchant gives you $1,000 to $5,000 for stock, emergencies, or a gap between paydays, with one flat repayment figure agreed before you take a kobo, and a real person on the phone, not a form that rejects you.
Stock is running out, cash is not there
A supplier needs paying now. Wait for the bank and you lose the sale, or the stock, or both.
You never know what you'll actually owe
Other lenders bury the real cost. We tell you the flat figure before you agree to anything.
No one explains anything
An app declines you with no reason. Here you speak to a person who hears your situation first.
Cash sized and timed to fit your income, not the other way round
Instead of one heavy lump sum, we agree small, regular repayments matched to your business takings or your salary date. You know the whole figure before you say yes.
How it works
Tell us what you need
Share how much you need and what it's for. Takes a couple of minutes.
We talk it through
A person calls you, listens, and agrees an amount and schedule that actually fits your situation.
Cash lands, you repay on schedule
Once you agree the flat figure, funds move fast and you repay in small, regular amounts.
Why this is different from what you've tried before
We are building Loan Merchant on one idea we believe matters most to borrowers in a cash crisis: speed and being treated like a person, not a file. That means starting with a small group of borrowers in Lagos we know personally, working through every loan by hand with real conversation, and being honest that this is early and we are learning alongside our first borrowers, not running a mass operation yet.
If you sign up now, you are one of the first people we work with directly. You will get a real conversation about your situation before any figure is agreed, not an automated decision.
Questions people ask us
How much will I actually owe?
You see one flat repayment total before you agree to borrow. No changing rates, no surprise charges added later.
How fast can I get the money?
Our goal is a decision within 24 hours of talking with you, and cash moving quickly once you agree the terms.
What if I can't repay a lump sum?
That's the point of small, regular repayments matched to your business takings or salary date over 3 to 6 months, instead of one heavy payment.
Who is this for?
Entrepreneurs in Lagos needing $1,000 to $5,000 for stock or business cash gaps, and salaried workers needing the same range for emergencies or a gap before payday.
Tell us what you need. We'll call you back.
Leave your details below and someone from our team will reach out to talk through your situation, no pressure, no obligation.
Your details are processed by LaunchValid (AmpFi App LLC) on behalf of this project.
Your details are processed by LaunchValid (AmpFi App LLC) on behalf of this project.
Your details are processed by LaunchValid (AmpFi App LLC) on behalf of this project.