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v1 live · serving Nigerian lenders View security posture →

The lending infrastructure powering Nigeria’s next wave of lenders.

Sign up in five minutes. Verify borrowers with BVN, NIN and face-match.
Disburse to any Nigerian bank in 30 seconds. Reconcile every kobo on a
ledger built for auditors, not spreadsheets.

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A delighted Nigerian businesswoman celebrating a successful disbursement on YT Finance
0s
BVN verify
0s
Disburse to bank
0+
Nigerian banks
0.9%
Ledger integrity
Who lends on YT Finance

Built for three kinds of lender

Each with a different reason to be on the platform. Same rails underneath, appetite controls set by you.

Small lenders

Cooperatives, ajo/esusu groups, individuals with idle money, solo lenders. Lend small amounts safely, and get repaid.

  • Salary & income advances
  • School fees financing
  • Rent financing
  • Emergency / medical

Vendor & asset financiers

Car dealers, solar installers, device retailers who want to offer buy-now-pay-later without building the lending tech. We give you the rails.

  • Device & gadget financing
  • Solar / asset financing
  • Car financing
  • Inventory financing
Most volume

Microfinance banks

You already have the licence and the capital. We give you the borrowers and the rails. Deploy more capital, from one dashboard.

  • Deploy idle capital
  • Reach verified borrowers
  • Branded borrower app
  • Portfolio reporting
Who runs on YT Finance

Purpose-built for independent lenders and small lending teams

One dashboard, four different lending models. Same rails, same compliance discipline, same real-time settlement underneath.

Personal loan books

For solo lenders managing loans to family, colleagues or community members. Replace the notebook with a proper ledger, automatic reminders, and a permanent repayment record for every borrower.

Cooperatives

Operate member lending with a formal KYC pipeline, a complete audit trail, and OTP-authorised settlement direct to each member’s verified bank account.

Boutique microfinance

Configure loan products with your own interest structure, tenor, exposure limits and per-loan fees. Disburse to any of 30+ Nigerian banks from a single dashboard.

Salary advance desks

Support up to three concurrent advances per employee under a transactional lock. Repayments collect on dedicated virtual accounts and reconcile automatically.

Loan categories

The loans you can fund today

Small-ticket categories launched first because they only need our existing KYC. Asset-backed categories roll in as we sign vendor partners.

Salary / income advance

Salaried workers, repaid by direct debit.

Live

School fees financing

Parents. Short, term-based. Verified income.

Live

Rent financing

Tenants facing annual rent. Verified income.

Live

Emergency / medical

Fast, small, short-tenor cash.

Live

Device / gadget financing

Phones & laptops via vendor partners.

Coming soon

Solar / asset financing

Installed system secures the lender.

Coming soon

Car financing

Dealer valuation + title/lien secures the lender.

Coming soon
The lending lifecycle

From application to settled repayment, one workspace

Every screen YT Finance ships maps to a real money event. No demo data. No simulated screens.

Apply

Branded apply link per lender. Borrower fills name, BVN, NIN, face capture, ID upload. Stored in Cloud Storage under admin-only rules.

Verify

BVN and NIN are checked against the source-of-truth registries. Face-match runs against the captured selfie. Every borrower lands in your KYC queue for admin approval before any money moves.

Disburse

Lender requests an OTP. Resend emails a single-use code. Enter it once to authorise a bank transfer to the borrower’s bank account.

Collect

Borrower repays via dedicated virtual account or hosted checkout. Each credit lands on the ledger with a deterministic ID, no double-counting.

Settle

Withdraw to your NGN bank account — ₦1M per transfer, ₦10M rolling 24h cap, OTP-gated. Treasury reconciles wallet totals across every lender on the platform.

How our fees work

Priced for the loan, not for the interest

We charge for the service of matching, verifying and structuring. Never a share of your interest income.

Small-amount lending
₦1,500flat per disbursement

Same fee whether the loan is ₦20,000 or ₦200,000. Salary advance, school fees, rent, emergency — all covered.

₦25,000 loan ₦1,500 fee · 6.0%
₦100,000 loan ₦1,500 fee · 1.5%
₦200,000 loan ₦1,500 fee · 0.75%

MFB volume pricing

Microfinance banks funding at volume qualify for a negotiated per-disbursement rate. Tiered by monthly loan count — the more you deploy, the lower the per-loan fee.

What we never charge

  • No percentage of your interest income — keep 100%
  • No setup fee, no onboarding fee
  • No monthly subscription or seat pricing
  • No revenue share on any category we power
By the numbers

The specifics

Numbers from the live product, not aspirational targets.

8s
BVN verify
30s
Bank settle
30+
Nigerian banks
3
Loan cap per borrower
For microfinance banks

Deploy more of your capital. Keep your licence.

You already have the licence, the capital, and the mandate. What limits most MFBs is not appetite — it is reach and infrastructure. YT Finance connects you to verified borrowers already looking for credit, and gives you the technology to onboard, disburse, track and recover, from a dashboard branded to your bank.

No setup fee. No subscription. Flat ₦1,500 only when a loan is disbursed.

See the MFB partnership brief
Why YT Finance

What you get that other platforms skip

OTP-gated disbursement

Every transfer requires a fresh code from your email. The OTP authorises one disbursement only — we burn it on use, even if the transfer fails.

Idempotent ledger

Every wallet operation is anchored on a deterministic document ID. Retries are safe. A network blip never debits your wallet twice.

Heartbeat sentinel

A scheduled function scans every five minutes, replays failed payouts, and surfaces silent failures on the admin Incidents page before you notice.

Authoritative server math

A borrower cannot underpay by mutating client-side totals. Repayment amounts are computed on Netlify Functions against the Firestore-locked loan document.

House rules

Three lines we will not cross.

Money software earns trust on the day everything goes wrong, not the day everything goes right. These are the commitments we keep when the network is slow, the inbox is full, and the payment rail is having a rough afternoon.

  1. 01

    Every kobo has a receipt.

    Nothing leaves the wallet without the payment rail confirming the transfer landed. Nothing closes a loan without a signed webhook verifying the payment. The ledger is the source of truth — the dashboard is just the window.

  2. 02

    The borrower never waits.

    If a loan is approved at 2:47 pm, the funds settle by 2:47 pm and thirty seconds. We picked a real-time payment partner, then engineered idempotent retries, reconciliation sweeps, and a cron sentinel for the days that partner has a rough hour.

  3. 03

    No money moves without a human.

    Every disbursement waits for an email OTP that only the lender can read. We never store it. We never bypass it. If your inbox is offline, the money is too. The cost of safety is six digits typed by a person who knows their borrower.

Security posture, at a glance
  • NDPR-aligned data handling
  • Signed payment webhooks, HMAC-verified
  • Email OTP on every wallet withdrawal & disbursement
  • Server-side Firestore rules — clients can’t touch wallets
  • BVN + NIN + face-match before any disbursement
  • Idempotent disbursement — no double-debit, ever
Read the full security posture

Lending infrastructure for the next wave of African fintechs

Sign up, configure a loan product in five minutes, run KYC on your first borrower, and settle the disbursement the same afternoon. No card. No call. No code.

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