Zerne Capital
Zerne Capital is our financial services arm — building credit products that fit how Nigerians actually earn and borrow. From consumer loans to working capital for small businesses and trade micro-credit, we use real income data to say yes responsibly, and fast.
- Consumer credit & SME financing
- Travel credit & trade micro-credit
- Data-driven, responsible underwriting
Access to credit
Most Nigerians can't get a loan without collateral or a long banking history. SMEs stall for want of working capital.
Zerne Capital uses real income data to responsibly underwrite consumer credit, SME capital, and trade finance — broadening access without compromising discipline.
Working alongside Lendarsh Finance
Lendarsh Finance is our sister company in financial services — extending responsible credit and lending products to more Nigerians alongside Zerne Capital.
Visit Lendarsh FinanceExplore Zerne Capital in full
Visit the dedicated Zerne Capital site for products, live operations, and everything else.