Affordable
credit for SMEs

We provide accessible and affordable credit to micro businesses to support job creation and economic development in Nigeria.

Get access to credit within 48 hours!

Empowering
Micro businesses

Nigeria’s 41 million micro businesses contribute 84% to jobs and 40% to the GDP but have only 4% access to credit. Our mission is to unlock access to critical credit through social consciousness and innovation.

Our Products

-Solar Credit: Access to clean and stable electricity.
-Equipment Credit: Access to energy efficient equipment
-Cash Loans: Access to loans for stock purchase

Get access to credit in 3 easy steps

With Winock applying for a Loan is quick & easy.
Our expert team ensures we can offer you a decision in as little as a 48 working hours.

Apply Online in our Branch

Tell us about you, your business and how much you require by filling-out our application form or visiting our branches.

Get Your Decision

If you are approved, you will receive a no-obligation, personalised quote from our team.

Get Funded

Once you accept, we process your application and transfer the money to your supplier.

No Stress
No Delay

Fulfil your future business plans today with our fixed-term hassle-free loans.

Testimonials

Read what our clients say about us.

Ifeanyi Chrostopher

Barber

“I am glad I found Winock. I was able to get a loan in 2 days to pay off the rent for my shop and avoid eviction”

Betty Balogun

Tailor

“I had an awesome experience with Winock Loans; I no longer need to beg friends & family for soft loan in moments of emergencies.”

Dorcas Onimisi

Digital Marketer

“I love how hassle free and quick the process to get my loan was. I will use them again.”

Frequently Asked Questions

Below are common questions about everything you need to know about our services at Winock Loans.

Who can apply?

Individuals representing microbusinesses businesses or upstart ventures who are 20 – 60 years old, who have a means of identification, as well as valid bank account account and NIN.

How do you decide if I will be given credit or not?

We assess applications on an individual basis using the data you provide. Your suitability is determined by your score on several factors determined by our credit-risk experts.

What is the maximum amount I can receive?

It differs by individual, type of business, years in business, cash-flow/Bank Statement etc. Please ensure your information is accurate.

How long does the application process take?

The process takes about 10 minutes.

What information do I need to provide?

In general: Identification, Business Details, Statement of Account, Required amount & Pay-back period.

How do I Know my Bank Verification Number?

Just dial *565*0#. This works if you are making the request from the same phone currently linked to your bank account.

Still have questions?

Need additional assistance?
Please reach out to us using our contact information below.

Affordable credit for SMEs