Grow Your Business, Spark Your Success
Fast, flexible SME loans for working capital, equipment, and expansion — with transparent fees and quick approval (24–72h).
Plan Your Repayment in Seconds
Use our interactive calculator to estimate your monthly payments
Plan your repayment in seconds
Estimated Monthly Repayment
₦0
*Figures are estimates; final offers depend on verification
Apply NowQuick Pre-Qualification
No documents needed to start
No documents needed to start
Running a Business in Nigeria is Tough
Cash flow dips, supplier deadlines, and growth opportunities don't wait. Spark SME gives you the capital to move fast: buy inventory, upgrade equipment, expand locations, or bridge receivables without slowing down.
Key Features
Quick Approval (24–72h)
Fast screening and decision process
Flexible Repayment (1–12 months)
Aligned with your cash cycle
Transparent Pricing
No hidden charges; fee breakdown upfront
Growth-Ready
Working capital, equipment finance, expansion
Common Use Cases
Inventory Restock
Before peak sales periods
Equipment Purchase
POS, machinery, tools upgrade
Branch Expansion
New locations or renovations
Payroll Smoothing
During receivable delays
Eligibility & Documents
Simple checklist to get started
Required Documents
- Registered business or operating proof (shop lease, invoices)
- Valid ID (Director/Owner), BVN
- Bank statements (3–6 months)
- CAC docs (if available)
- Basic cash-flow info / revenue band
Pro Tip
You can apply first and upload documents later. Start your application now and complete verification as you go.
How It Works
Simple steps to get your Spark SME loan
Apply
Submit your application via website, USSD, or mobile app.
Verify Business Profile
Provide basic business details and bank statements for quick checks.
Approval (24–72h)
We evaluate your eligibility and share an offer with transparent fees.
Receive Funds
Funds are disbursed directly to your business account.
Why Choose Spark SME?
- Built for Nigerian SMEs and solo founders
- Fast decisions, minimal paperwork
- Compliance-led and data-driven risk checks
- Real support: speak to an advisor when you need help
What Our Customers Say
Real experiences from businesses that trust Spark SME
Amina
Boutique Owner
“Spark SME gave me the working capital to restock. Sales tripled the next cycle.”
Tunde
Furniture Maker
“I upgraded machines and doubled output in 2 months. Straightforward process.”
Frequently Asked Questions
Get answers to common questions about Spark SME
Who can apply for Spark SME?
Registered businesses, startups, and entrepreneurs with verifiable income or operations.
How much can I borrow?
Loan limits depend on profile, revenue, and repayment capacity.
How long does approval take?
Most applications are processed within 24–72 hours.
Do I need collateral?
In most cases, no collateral is required — eligibility is based on verification and repayment history.
Can I repay early?
Yes, early repayment is allowed without penalty.
Compliance & Trust
FCCPC & NDPC Compliant
Fully compliant with Nigerian financial regulations
Transparent Pricing
No hidden fees policy
Vetted Partnerships
Vendor/installer partnerships vetted for quality
Spark Your Business Growth Today
Join thousands of Nigerian businesses that have grown with Spark SME. Get the capital you need to scale and succeed.