Anyone can fund a business.
You do not need to be a bank or a fund. If you have money you want to put to work, and you want to know exactly where it is going, Creditlinker is built for you.
Individual financers
You start from as little as ₦50,000. You pick a business, see their verified financial numbers, choose how much to put in, and earn returns as they repay. You are not giving a gift. You are financing a real business with real data behind it.
Institutions and funds
Banks, microfinance institutions, equipment financiers, and trade suppliers. You get access to verified six-dimensional business profiles and deploy capital at scale. Every access event is logged. Every decision has an evidence trail.
Pick the type that fits what you have.
Not all financing works the same way. Each type below is a different deal structure, a different repayment source, and a different kind of financer. Pick what fits you.
Direct lenders
You lend money directly to a business for day-to-day operations or growth. They repay you from their cashflow over time. Simple. Clean.
Equipment financers
You fund the purchase of machines, vehicles, or equipment. The asset itself is the security — if repayment stops, the asset is recovered.
Revenue & invoice financers
You advance money against real invoices or verified future revenue. The business's customers — or their sales — are what pays you back.
Trade & supplier financers
You extend credit or payment terms to businesses you supply or trade with. Repayment is tied to your existing commercial relationship.
Pick the risk level that fits you.
Every financing deal has three levels you can choose from. Lower risk means lower returns. Higher risk means higher returns. You decide.
Safe
Target return
Repayment order: Paid back first
Your units are covered by the reserve fund and insurance first. If the business does not repay, you are the last to take a loss.
Good for: If you want steady returns and prefer to sleep well at night.
Balanced
Target return
Repayment order: Paid back second
Partial coverage from reserve and insurance. You absorb some loss only after high-return holders take their share first.
Good for: If you want better returns and are comfortable with some exposure across a diversified set of deals.
High-return
Target return
Repayment order: First to take a loss
No reserve cover. You take the first hit if a business does not repay. The higher return is your compensation for accepting that.
Good for: If you understand private credit risk and want maximum returns across a wide portfolio.
Return ranges are targets, not guarantees. Actual returns depend on the business, deal type, and market conditions.
There are four things
that happen before
you lose anything.
We do not promise that every deal will pay back. What we do is make sure that if one does not, the impact on you is managed in layers rather than hitting you all at once.
Creditlinker uses the language "partial loss protection" and "managed risk" — not "safe investment" or "guaranteed returns." You are putting capital into real businesses. There is real risk involved.
The business repays normally
Your principal plus returns come back. The reserve held per deal is returned to unit holders after the financing cycle ends.
The reserve fund steps in
10% of every deal is set aside and invested in safe instruments. This pool is the first thing used to cover a shortfall if repayment stops.
Insurance pays out (where applicable)
Some deals have optional insurance coverage. If activated, the insurer covers part or all of the remaining gap according to the policy.
The asset is recovered (if there is one)
For equipment and asset-backed deals, the physical asset is taken back, sold, and the proceeds are returned to unit holders.
The platform buffer absorbs the rest
A shared pool covers any remaining gap. This affects platform profitability, not your principal beyond your risk level exposure.
Five ways to put your
money to work.
Each one has a different source of repayment and a different level of risk.
Business loans & credit
Repaid from the business's cashflow. Backed by their verified financial data and the reserve fund. Good for businesses that need cash now and pay it back over time.
Equipment & asset finance
The equipment itself is the security. If the business stops paying, the asset is recovered and sold to cover what is owed. Lower risk because there is something physical to fall back on.
Invoice & revenue finance
Backed by the business's real customer invoices. When the customer pays their invoice, that money clears the deal. You are not waiting on the business — you are waiting on their customer.
From signup to your first financing.
Five steps to start putting your capital to work through Creditlinker.
Create your account
Sign up as an individual or an institution. Tell us what kind of businesses you want to finance and how much you are looking to put in.
Set your criteria
Tell us your preferences once. The platform matches you to verified businesses that fit your capital range, sector focus, and risk appetite. This happens automatically in the background.
Request access to a business profile
When you find a business you want to evaluate, you request their consent. They decide what data to share with you and for how long. You only see what they have agreed to show you.
Review their verified financial data
You get their six financial measures, reliability score, key business metrics, and risk assessment. All of it comes from verified data, not from what the business told us about itself.
Put your capital in and track it
Choose how many units you want to hold and at what risk level. The financing is structured on the platform. You track repayments, receive returns, and build a portfolio over time.
Access log · All events
Viewed identity profile
Aduke Bakeries
Viewed 6D breakdown
Lagosfresh Prod.
Created offer ₦5M
Aduke Bakeries
Consent request sent
TechServe Ltd.
The better you behave,
the stronger your
standing gets.
Creditlinker tracks how you operate as a financing partner. Businesses can see your record before granting you access. A strong reputation means faster consent, better deals, and more trust from the businesses you want to reach.
Deal completion rate
How many deals you open versus how many you actually complete and settle. Businesses watch this.
Settlement speed
How quickly you confirm repayments once a business has paid. Slow confirmations lower your standing.
Dispute record
How disputes involving you are resolved. Clean records are a signal of a fair, trustworthy financing partner.
Capital activity
Volume and variety of financing you have done. More activity across different business types signals genuine commitment.