Flexible Business Financing Funding

EP Credit provides financial solutions to help SMEs achieve business growth, marketing investment, and cash flow management.

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₦ 0 M

Up to ₦100m Funding

0 Hours

Fast Approval

Powering SMEs Growth

EP Credit offers tailored, data-driven financing options to businesses using the epos solutions platform. 

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Getting money for your business is simple and straightforward

Fast Approval

Get fast decision within 48 hours and funds can be with you as early as tomorrow.

Low Documentation

Our low-documentation loans are fast, so you can spend your time where it counts.

Flexible Repayment

Automatic payments mirror cash flow as a percentage of your revenue

Seize growth opportunities to take your company to the next level

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Check the FAQ

Frequently Asked
Questions

EP Credit frequently receives the following questions about the Small Business Loan conditions, the loan process or an ongoing financing request.

EP Credit is designed especially for small and middle-sized enterprises. It’s funding based on your business’ monthly transactions and potential. Funding can be used for many business purposes including refurbishment, hiring staff, purchasing inventory, expanding premises, equipment upgrades – whatever your business needs.

By applying online using our 'APPLY' button on the menu, you will be asked to schedule a meeting and tell us more about your business for a personalized quote. 

There are some basic criteria we ask our customers to meet before they can become pre-qualified for a business cash advance:

  • Your business needs to have been trading for 6 months or more using EPOS Solutions software.
  • A minimum monthly revenue turnover of N5,000,000 per month
A cash advance will typically take an average of 6 months to repay, but this may vary depending on the size of your advance and the frequency and value of card transactions being paid to your business.

To find out your outstanding balance, you can simply log in to your EP account which shows you your full payment history.

You can use the funding for any business purpose. Most of our merchants use the funding to buy stock, invest in advertising, carry out refurbishments, add a new location, or to manage a temporary disruption such as a lockdown.
  • Fast Approval
  • Minimal Documentation
  • Flexible Repayment
  • Money in your account in less than 48 hours
  • Easy-to-understand approval process