Daily
01
Daily Loans
Short-term, quick-turnaround funds — perfect for market traders and small business owners who earn daily.
- Same-day disbursement
- Repay daily
- Minimal paperwork
- From ₦50,000
Licensed lender · Lagos · Oyo · Ogun
Your best Option for your financial breakthrough.
Whether you need quick cash to manage daily expenses or long-term financing to grow your business, we structure loans around your life — not the other way around. We combine local knowledge with disciplined credit to move at the pace of your business, not against it.
- From
- ₦50K
- Up to
- ₦50M
- Approval
- < 3 days
Flexiblerepayment plans
Fastdisbursement
Transparentno hidden fees
Securetop-grade protocols
Loan products
Tailored loan solutions for every stage of life and business.
From ₦50,000 market-day cash to ₦50,000,000 growth capital, our product mix is engineered around real Nigerian cash flows — daily, weekly, monthly and asset-backed structures.
Weekly
02
Weekly Loans
Slightly longer terms with manageable weekly repayments. Ideal for growing SMEs and retail businesses.
- Weekly schedule
- SME-friendly limits
- Fast approval
- Business-focused
Monthly
03
Monthly Loans
Longer-term financing with predictable monthly repayments — for salaried individuals and established business owners.
- Extended tenure
- Higher ceilings
- Predictable schedule
- Up to ₦50,000,000
Car-backed
04
Car-backed Loan
Park your car and get quick cash. Use your vehicle as collateral to unlock instant funds while we keep it safe — drive off the moment you settle.
- Park your car, get instant cash
- Secure, insured storage
- Flexible repayment plans
- Reclaim your car on full repayment
How it works
From application to disbursement in four simple steps.
1
Apply online
Complete our short online form in under 5 minutes — no fees, no mandatory account opening required.
2
Get a call back
A relationship manager calls within one business day to understand your needs and cash flow.
3
Submit documents
Share your basic KYC and business documents digitally — our credit team reviews the same day.
4
Receive funds
Approved facilities are disbursed to your account, typically within 72 hours of complete documentation.
Why choose us
We listen first. Then we finance.
A dedicated team is with you at every step of your financial journey — from your first enquiry to full repayment and beyond.
Flexible Repayment
Daily, weekly, or monthly — choose what works.
Fast Processing
Quick disbursement, typically under three working days.
Transparent Terms
No hidden charges. What you see is what you get.
Tailored Solutions
We listen first, then finance.
Secure Transactions
Top-grade security protocols throughout.
Community-Oriented
We grow with the people around us.
10K+Loans disbursed
₦4B+Capital deployed
72hAvg. turnaround
98%Client retention
Voices of trust
What our customers say about working with us.
Option Financial funded my restock in under 48 hours. My market stall doubled its weekly turnover.
A relationship manager actually understood my business. The monthly loan let me hire two more staff.
The car-backed loan saved my contract. I dropped my car in the morning and had cash by evening.
FAQs
Answers, up front.
How much can I borrow?
Minimum ₦50,000 and up to ₦50,000,000, depending on repayment capacity.
What types of loans do you offer?
Business, Salary, Daily, Weekly, Monthly and Car-backed loans (park your car and get quick cash).
What are the requirements?
A business located in Lagos, Oyo or Ogun that has operated for a specific period.
How long does approval take?
Typically less than 3 working days once documentation is complete.
What is your interest rate?
Competitive — depends on the loan amount and structure.
Do I need to open an account?
No. Just fill the online form and our team will contact you.
Let's build your financial future — together.
Get in touch today. Speak to a real person, get a real answer — and a facility structured around your actual cash flow.