Credenz for Business
We pay the rent on your shop, office or warehouse directly to your landlord. Your business repays in monthly instalments, based on the money it brings in.
Adaeze Fabrics Ltd
Shop rent · Lekki, Lagos
Rent paid to landlord
₦2,400,000
Monthly business income
Financing rent for the places businesses work from
How it works
Everything happens online. Most businesses complete the checks in a day.
Sign up as the person who runs the business and verify your identity with your BVN, NIN and a selfie.
Enter its name and CAC registration number. We confirm it on the CAC register in seconds.
Link the business bank account securely, or upload recent statements for our team to review.
See how much you can borrow, apply, and we pay your landlord once you sign your offer.
Why Credenz
Rent is usually due a year or more in advance. Credenz spreads it across the year, so your business pays it the way it earns: month by month.
Pay the rent without tying up the money you need for stock, staff and day-to-day running costs.
What you can borrow is based on the money your business brings in, so monthly repayments stay manageable.
Interest, fees and every monthly repayment are shown before you apply, and again in your offer letter.
Bank access is read-only, through Mono. We can see your statement, but we can never move your money.
Who can apply
Have these ready and you can complete everything in one sitting.
Every business is confirmed on the CAC register, along with the person applying.
Your details are encrypted and used only to assess and manage your financing.
Your repayment dates and amounts are fixed in your offer letter before you sign.
Rent on premises your business operates from, such as a shop, office, warehouse, showroom or workshop. We pay the landlord directly.
It depends on the yearly rent and the money coming into your business account. You'll see your exact limit, and the monthly repayment, before you apply.
Identity and CAC checks usually take minutes. If our team needs to review anything, it takes up to one working day. Applications are usually decided within one working day.
No. Linking your account through Mono gives us read-only access to your statement. Repayments are made from your Credenz business wallet.
Yes. Your business account is separate, with its own sign-in. You can have one loan in progress at a time across both accounts.
A guarantor agrees to repay if the business can't. We email them a code to confirm before any money is paid out. It can't be you.
Create your business account and see what you can borrow.
We reply as soon as possible
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