YT Finance ships the entire lending stack in a single product. No add-ons. No per-seat charges. No hidden side-vendors you find out about at month-end.
All the checks Nigerian regulators expect, run through one consistent flow.
Configure the credit policy that fits your book. No rebuild required.
Move money on Nigerian rails without leaving the platform.
Make it easy to repay, and easy to follow up when borrowers don't.
The numbers your credit committee, board and regulator ask for.
Run a tight operation without slowing the team down.
Most Nigerian SME lenders end up running 3–5 vendors to cover what YT Finance does natively. Here's the lay of the land.
| Capability | YT Finance | Indicina | Lendsqr | In-house build |
|---|---|---|---|---|
| End-to-end KYC (BVN, NIN, address, liveness) | Built in | Partial | Partial | 3–6 months |
| Native lender wallet | Included | No | Add-on | 2–3 months |
| 30-second disbursement to any NG bank | Yes | Via partner | Yes | 1–2 months |
| Repayment automation (debit mandate) | Yes | No | Yes | 1 month |
| Portfolio reporting & vintage curves | Built in | Yes | Yes | 2 months |
| Time to first disbursement | Same day | 1–2 weeks | 1–2 weeks | 6–9 months |
Comparison reflects publicly listed capabilities at time of writing. Indicina and Lendsqr are excellent products — they just solve a different shape of problem.
Spin up a workspace, ship your first loan, and decide whether to migrate the rest later. Yes, this is the actual product — not a demo.