Working Capital Loans
Capital when you need it
Quick access to working capital based on your transaction history. No collateral required. Decisions in 24 hours.
Calculate Your Loan
Up to ₦10M
Maximum Loan Amount
24 hours
Approval Time
3–12 months
Flexible Terms
Why Choose SWOP?
Built for Nigerian businesses that need capital fast, without the hassle.
Same-day approval
Decision within 24 hours
Flexible repayment
3–12 month terms
No collateral required
Based on transaction history
Competitive rates
Transparent pricing
What You Need
Simple requirements to get started.
Minimum 3 months transaction history
Based on your SWOP Business account
Average monthly volume ₦500K+
Demonstrates business activity
Valid business registration
CAC certificate or equivalent
Bank statements (last 3 months)
From any Nigerian bank
Competitive Interest Rates
Clear repayment terms. Transparent rates. No hidden charges.
| Feature | Standard Bank | SWOP Business |
|---|---|---|
| Account Maintenance | ₦500 - ₦5,000 / month | Free forever |
| Transfers | ₦50+ per transaction | 25 free/month, then ₦10 |
| POS Terminal | ₦50,000+ purchase | Free deployment |
| Settlement | T+1 (Next Day) | Instant (T+0) |
Ready to grow your business?
Apply for a working capital loan and get approved within 24 hours.
Apply for loan