Access between ₦100,000 and ₦500,000 in working capital with predictable weekly contributions and guaranteed savings plus refundable equity paid back to you upon full liquidation.
₦100k – ₦500k
Approved Facility Range
24 Weeks
Standard Repayment Tenure
20.5% Cashback
Savings + 65% Equity Returned
Loan: + Savings:
5% Reg () + 10% Equity ()
Trusted capital for Nigerian SMEs
Compulsory savings built into every week
Transparent ledger & instant receipts
24/7 self-service customer portal
All repayments are made weekly for 24 weeks. Accumulated savings and 65% refundable equity are payable at the end of the tenure upon full liquidation.
| S/N | Detail | Amount |
|---|---|---|
| 1 | Registration Fee (5% — Non-Refundable) | ₦5,000 |
| 2 | 10% Equity / Initial Deposit | ₦10,000 |
| 3 | Weekly Contribution (Repayment + Savings) | ₦6,000 |
| 4 | Duration | 24 Weeks |
| 5 | Total Weekly Repayments | ₦144,000 |
| 6 | Savings at End of Tenure | ₦14,000 |
| 7 | Initial Payment (Registration + Equity) | ₦15,000 |
| ★ | Total Liquidation Refund (65% Equity + Savings) | ₦20,500 |
| S/N | Detail | Amount |
|---|---|---|
| 1 | Registration Fee (5% — Non-Refundable) | ₦10,000 |
| 2 | 10% Equity / Initial Deposit | ₦20,000 |
| 3 | Weekly Contribution (Repayment + Savings) | ₦12,000 |
| 4 | Duration | 24 Weeks |
| 5 | Total Weekly Repayments | ₦288,000 |
| 6 | Savings at End of Tenure | ₦28,000 |
| 7 | Initial Payment (Registration + Equity) | ₦30,000 |
| ★ | Total Liquidation Refund (65% Equity + Savings) | ₦41,000 |
| S/N | Detail | Amount |
|---|---|---|
| 1 | Registration Fee (5% — Non-Refundable) | ₦15,000 |
| 2 | 10% Equity / Initial Deposit | ₦30,000 |
| 3 | Weekly Contribution (Repayment + Savings) | ₦18,000 |
| 4 | Duration | 24 Weeks |
| 5 | Total Weekly Repayments | ₦432,000 |
| 6 | Savings at End of Tenure | ₦42,000 |
| 7 | Initial Payment (Registration + Equity) | ₦45,000 |
| ★ | Total Liquidation Refund (65% Equity + Savings) | ₦61,500 |
| S/N | Detail | Amount |
|---|---|---|
| 1 | Registration Fee (5% — Non-Refundable) | ₦20,000 |
| 2 | 10% Equity / Initial Deposit | ₦40,000 |
| 3 | Weekly Contribution (Repayment + Savings) | ₦24,000 |
| 4 | Duration | 24 Weeks |
| 5 | Total Weekly Repayments | ₦576,000 |
| 6 | Savings at End of Tenure | ₦56,000 |
| 7 | Initial Payment (Registration + Equity) | ₦60,000 |
| ★ | Total Liquidation Refund (65% Equity + Savings) | ₦82,000 |
| S/N | Detail | Amount |
|---|---|---|
| 1 | Registration Fee (5% — Non-Refundable) | ₦25,000 |
| 2 | 10% Equity / Initial Deposit | ₦50,000 |
| 3 | Weekly Contribution (Repayment + Savings) | ₦30,000 |
| 4 | Duration | 24 Weeks |
| 5 | Total Weekly Repayments | ₦720,000 |
| 6 | Savings at End of Tenure | ₦70,000 |
| 7 | Initial Payment (Registration + Equity) | ₦75,000 |
| ★ | Total Liquidation Refund (65% Equity + Savings) | ₦102,500 |
Every Granis Finance Ltd credit facility is governed by clear, upfront rules with zero hidden charges.
The customer pays a registration fee equal to 5% of the approved loan amount. The registration fee is non-refundable whether the facility is fully liquidated, settled early, or otherwise completed.
An initial equity deposit of 10% of the approved loan is required. A charge of 35% of the equity deposit covers insurance and management fees, while the remaining 65% is refunded upon full liquidation.
Interest is 30% flat over 24 weeks. For every ₦100,000 approved, you contribute ₦6,000 weekly (₦5,416.67 loan repayment + ₦583.33 savings), accumulating ₦14,000 in savings returned at maturity.
Register on the Granis Customer Portal and complete your business, guarantor, and settlement bank KYC profile.
Choose your required credit tier from ₦100,000 to ₦500,000 and submit for credit assessment and approval.
Remit the 5% registration fee and 10% equity deposit to trigger immediate loan disbursement and your 24-week schedule.
Complete your 24 weekly contributions and receive your 65% refundable equity plus 100% of your accumulated savings.