Origination
A white-labelled application link your borrowers fill in 4 minutes on mobile. BVN, address, employer and bank statement, captured and verified before it hits your queue.
For Nigerian SME lenders
Your loan book. Without the spreadsheets
Stand up a compliant lending operation in an afternoon. KYC, lender wallet, disbursement and repayment — one platform, built for the way Nigerian SME lenders actually work.
8 sec
Median BVN verification time
30 sec
Bank-to-bank settlement window
₦500k–₦10M
Typical SME loan range supported
Daily workflow
Every part of the lending day, on one screen
From the moment a borrower applies to the moment your wallet reconciles, nothing in the loan lifecycle lives outside YT Finance.
Underwriting
A single review screen with all KYC artefacts, risk score, bank statement analysis and DTI. Approve, defer, or decline in one click — full reasoning in the audit log.
Disbursement
One-tap payout from your funded wallet to any Nigerian bank. Settlement in 30 seconds. Automatic retries on bank-side failures, no manual chasing.
Repayments
Scheduled debits via Paystack mandate, manual transfers, or borrower-initiated repayments. Auto-allocated to principal, interest and fees.
Reporting
Portfolio health, vintage curves, PAR-30, exposure by sector. Export CSV for Excel or PDF for the board pack — without opening a second tab.
Collections
Automated SMS, email and WhatsApp reminders on T-3, T+0 and T+7. Manual escalation queues for ops. Full audit trail for every contact attempt.
Integrations
Plugged into the rails that move money in Nigeria.
Flutterwave · Disbursement & collections
Paystack · Direct debit mandates
Dojah · BVN, NIN, address
Smile ID · Selfie liveness
Mono · Bank statement analysis
Firebase · Identity & storage
Resend · Transactional email
Twilio · SMS notifications
What you get
Everything you'd build in-house. None of the work.
Most teams burn 6–9 months wiring up KYC, wallets, disbursement, ledger and collections. Skip that quarter. Ship loans this week.
Last shipped: this week
- Configurable loan products — flat, declining balance, balloon, step-up
- Branded borrower portal at your subdomain
- Role-based permissions: credit, ops, finance, admin
- Audit log for every action, exportable for regulators
- Webhooks for every loan, repayment and wallet event
- Two-factor authentication and session timeouts by default
- Borrower communications via SMS, email and WhatsApp
- Daily reconciliation reports against your bank statement
Disburse your first loan this week
Sign up free. No demo call required. Configure a loan product, onboard a test borrower, push your first disbursement — usually inside an hour.