Lending built on plain numbers
Aureus Capital lends to working Nigerians and the businesses they run. Every naira of interest and every fee is on the screen before you commit. No hidden charges, and we will never touch your phone contacts.
Pick the closest fit. It changes what we ask you for, and how fast we can move.
Working capital, stock, or a bridge until your receivables land. Registered businesses from ₦500,000.
Business funding → FastestRestock fast without leaving your shop. Apply from your phone, no paperwork queue, no shop visit needed to start.
Trader funding → Most commonRent, school fees, medical bills, or an emergency that will not wait for payday. Repayment matched to your salary date.
Personal loan → HRGive your staff a credit option that will not harass them. Payroll-linked, documented, and handled through your HR desk.
Staff loan schemes →Move the sliders. The figure you see is the figure you pay. Nothing is added later.
You pay each month
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That is the whole cost. There is no insurance charge, no processing surprise, and no penalty for paying early.
These figures are indicative. Your final offer depends on your affordability check.
Apply for this amountabout 3 minutes
Phone number, email, BVN and NIN. We use these to confirm you are you, and to check what you can comfortably afford.
about 2 minutes
A read-only connection to your bank statement through our licensed partner. We can see the pattern of your income. We cannot move a naira from it.
usually under 15 minutes in working hours
You see the amount, the rate and the full repayment before you accept anything. If we cannot offer what you asked for, we tell you what we can offer instead.
same day for approved applications before 3pm
Funds go to your bank account. Your repayment dates are set up by direct debit mandate so nothing is forgotten, and you can pay off early at any time without a penalty.
We would rather you knew now than after a credit check.
You get a reason, in plain words, and the date you can try again. A decline does not stay on your record with us forever, and it costs you nothing but the credit check fee, which we refund if the decline was our error. We do not sell your details to other lenders.
Loan apps have given this industry a bad name in Nigeria. Here is what we will and will not do, so you can hold us to it.
Not your family, not your employer, not your customers. We do not ask for contact list access, and our app does not read it. If you ever get a message from someone claiming to be us about your contacts, it is not us.
We collect what we need to lend responsibly and nothing more. We do not sell your details to other lenders or to advertisers. You can ask for a copy of what we hold, or ask us to delete it once your loan is settled.
The rate and fees in your offer are the rate and fees for the life of the loan. We do not add charges mid-term.
Settle ahead of schedule and you only pay interest for the months you actually used the money. There is no early repayment penalty.
No one is shouting at you. On the day a payment fails, we send a message. We will call within three working days to understand what happened and to agree a new date if you need one. A late fee applies only after 7 days, and it is capped.
Staff who are quietly servicing three loan apps are staff who are distracted and at risk. A documented scheme through us gives your people one transparent option, with repayments taken at source and a named contact on our side for your HR desk.
Not for personal loans, and not for most first business loans. Larger business facilities, generally above ₦2,000,000, may need security, and we tell you that before you spend time on an application rather than after.
Not for a first loan under ₦500,000. Above that we may ask for one, and a guarantor is someone who agrees in writing, not a name pulled from your phone.
No. We contact you, on the number and email you gave us. We do not have your contact list and we do not want it. If you fall seriously behind we report to the credit bureaux as the law requires, and we tell you before we do.
Yes, apply. We look at what is coming into your account now more than what went wrong two years ago. A past default is not an automatic no, though it does affect the amount and rate we can offer.
Pay whenever you like. You are charged interest only for the months you held the money, and there is no early settlement fee. Tell us through the app or on WhatsApp and we will give you the exact figure to clear.
To confirm you are who you say you are, as every regulated lender in Nigeria must. A BVN does not give us access to your accounts and it cannot be used to move your money. It is an identity check, nothing else.
We read it to see what you can afford to repay. The connection is read-only through a licensed data partner, so we can see transactions but cannot initiate any. We do not share it, and you can revoke the connection once your loan is settled.
For a complete application in working hours, a decision usually comes in under 15 minutes and funds the same day if you are approved before 3pm. If something needs a human to look at it, we tell you that rather than leaving you refreshing the screen.
The calculator shows our standard pricing for each amount band. Your own offer depends on your affordability check, and it is shown in full, in naira, before you accept anything.
Check what you would repay. It takes a few seconds, it costs nothing, and it does not touch your credit file. You only share personal details when you decide to go ahead.
No documents needed to see a figure. No credit check until you apply.
