Beyond Credit Limited
“Can a branch-based Nigerian microfinance lender scale credit access to low-income entrepreneurs across sub-Saharan Africa?”
Founded2016
HQIkeja, Lagos, Nigeria
IndustryFintech / Lending
The story
Beyond Credit is a Nigerian microfinance institution founded in 2016, focused on providing small-ticket working capital loans (from NGN 50,000, 1-9 month tenors) to low-income entrepreneurs across six states in south-west Nigeria. It operates as a traditional field-based microlender rather than a digital-first fintech, with in-house loan origination, guarantor requirements, and physical branch presence. Loans are bundled with credit-life and fire insurance cover.
Product timeline
2016
Beyond Credit Limited founded in Lagos, Nigeria to provide microfinance to low-income entrepreneurs.· banking
2025
Received Audit Compliance Trustmark (2025).· compliance
The stack
1 layer disclosed in Beyond Credit Limited’s embedded-finance stack
Lending
Beyond Credit Limited (in-house)Beyond Credit microloans (NGN 50,000+, 1-9 month tenors, daily/weekly/monthly repayment, guarantor-backed, bundled with life & fire insurance)
Accounting gap: none