Rosabon Financial Services
“Can a legacy Nigerian leasing company become a full-stack digital lender and wealth manager for Nigeria's underbanked middle market?”
Founded1993
HQYaba, Lagos, Nigeria
IndustryFintech / Lending
The story
Rosabon Financial Services is a Nigerian non-bank financial intermediary licensed by the Central Bank of Nigeria, founded in 1993 as part of the Concept Group. The company built its franchise around equipment leasing (as a member of ELAN) and has evolved into a broader retail and SME lender offering collateral-free loans, finance leases, and fixed-income investment products (RTN, REAP, RWIN). Its recent trajectory is a digital push — the Rosabon Wealth Management App and treasury portal — to serve retail savers directly rather than through brokers.
Last 12 months
—
Product timeline
1993
Founded as a financial services firm in Nigeria; a member of the Concept Group.· founding
2020
Announced N10bn loan facility for SMEs during COVID-19 pandemic.· lending
2023
Launched Rosabon Wealth Management App for retail investing and savings.· product_launch
Regulated entities
1
regulatory licence held by Rosabon Financial Services
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
2 layers disclosed in Rosabon Financial Services’s embedded-finance stack
Lending
Rosabon Financial Services (in-house)Personal Loans (collateral-free)Business Support Loans (Sole Proprietor)Business Support Loans (Consumer)Edu-Support LoansPublic Sector LoansRPAWA Collateralized LoansAsset Cash Loans (Consumer / Business / Corporate)Rosabon Finance Lease (Consumer / Corporate / Vehicle / Equipment)Rosabon Retail Operating LeaseFleet ManagementN10bn SME Loan Facility
Investing
in the full report
Accounting gap: significant
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.