A bustling Lagos market mid-afternoon, dense with yellow danfo buses, market umbrellas, and crowds of traders and commuters.Lagos · Mid-afternoon

For Nigerians who keep moving

Loans for the work you're already doing.

Money before payday. A push before the weekend rush. Built for salary earners and small-business owners.

Apply for a loan
Approval in 24 to 72 hoursNo collateralNo long queues

The numbers, plainly

  • Minimum₦20KSmallest loan we issue
  • Review24 to 72Hours to a decision
  • DisbursementSame dayOn approval, to your account
01 /

What this looks like

A small loan on simple terms. Below is one example: a thirty-day working-capital loan typical for a small-business owner. Final terms depend on your application.

Loan specimen
Amount₦150,000You receive
Tenure30 daysOne payment, end of term
RepaymentOnce, at the end of the term. No weekly deductions.
For illustration only · Not an offer

Loans start from ₦20,000. Tenures from 14 days to 6 months. Final rate and tenure depend on your situation and history with us.

02 /

Who this is for

Two kinds of work, two reasons the cash needs to be there before the bank can move. Pick the one that fits and apply.

  • Hands counting one-thousand-naira notes at a table.
    Salary Earner

    Money before payday.

    You're employed and paid monthly. When school fees, rent, or an emergency lands in week two, we close the gap to payday.

    Typical: ₦20,000 to ₦200,000 · 30 days
  • A calculator resting on a stack of handwritten ledger pages.
    SME Owner

    A push before the weekend rush.

    Stock for Friday. Equipment for the new contract. Payroll for the gap month. Working-capital loans sized to a small business that's already running.

    Typical: from ₦100,000 · 30 to 90 days
03 /

How it works

  1. 01 /

    Tell us about you

    About three minutes. Three pages. Plain English.

  2. 02 /

    Our team reviews

    We get back to you within 48 to 72 hours.

  3. 03 /

    Funds disbursed

    Same day on approval, direct to your account.

Why Liquide

Built for the work, not the bank.

Three things we promise. Three things you don't have to put up with anymore.

  • 01No collateral

    We don't ask for your shop, your land, or your car.

    Working-capital loans for the work you're already doing. The application is plain English, and the security is your record with us, not a deed.

  • 02Fast review

    A real person reads it. Within 48 to 72 hours.

    Same team, every application. We know the difference between a Saturday float top-up and a school-fees emergency, because we ask.

  • 03No bank wahala

    No queues, no branches, no forms in triplicate.

    Three pages on this site. About three minutes. Disbursed direct to the account you give us, the same day on approval.

04 /

Apply

Eight short pages, about ten minutes, from your phone. Have your ID, an account statement, and a guarantor's details ready. Your progress saves as you go.

Start your applicationDecision in 24 to 72 hours. No queues.