Access Collateral-Free SME Loans in 3-Easy Steps
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Get up to ₦10 Million today!
Over ₦30BN Disbursed
We provide merchants quick access to funds to finance their business with No Hidden Charges or Guarantors involved.
600k Loans Taken
We offer our Merchants consistent access to recurrent loans and will continue to do so as long as they repay on-time.
8,000 Shara Merchants
We are committed to the providing our Credit Communities with personalized business support services all year round.

How does a Shara business loan work?

  • 01.
    Get a loan estimate
    Submit your personal and business details on the website
  • 02.
    Download the Shara App
    Create a profile and complete the loan application
  • 03.
    Provide Necessary Documentation
    Submit loan requirements and KYC documents
  • 04.
    Obtain Your Loan Contract
    Get verified and Drawdown Your Loan Amount

Shara in the news

Shara has been featured in a wide range of media outlets
Tech Point
Daily Post
Business Day
Ventures Africa
Business Insider
Tech Cabal

Key Requirements for Shara Business Loan

Merchants will be required to provide basic KYC information as part of the application process.
  • check
    6 Months Bank statements showing Business Transaction History
  • check
    Bank Verification Number (BVN)
  • check
    Government-Issued Identity Card
  • check
    CAC Registration Document (If Registered)
  • check
    Proof of Physical Place of Business (KYC will be Done)

Key industries we finance

We fully service businesses across various sectors such as FMCG Wholesale, Fashion, Computing & Phones, Building Materials, Automobile Spare parts, Consumer Electronics, Food & Other perishables, Agro-Allied, Health & Beauty, Gas & Energy, Chemicals, Pharmaceutical and Local Production.

Our commercial operations cut across Lagos, Kano, Abuja, Port Harcourt, Aba, Uyo, Warri, Ibadan, Enugu and Ogun.

Do you have questions?

We have answers (well, most of the times!)

Below you’ll find answers to the most common questions you may have about Shara Financing.

Still have questions?
Can’t find the answer you’re looking for? Please chat with our friendly team.