KiaKia Bits Limited

KiaKia Bits Limited is a licensed non-bank fintech company in Nigeria, founded in 2016, that offers a peer-to-peer (P2P) lending marketplace tailored for Micro, Small & Medium Enterprises (MSMEs) and individuals. Through its KiaKia P2P app, the platform bridges the financing gap by allowing credible borrowers—often denied credit by traditional institutions—to access affordable loans without heavy collateral, and enabling lenders to earn returns via negotiated interest or profit-sharing. KiaKia Bits Limited leverages big data, artificial intelligence, and a flexible lending model to ensure fast disbursement, reliable performance (with low non-performing loan rates), and wide inclusion across underserved sectors like hospitality, agro-allied, commodities, food production, manufacturing, and contract supply. With over ₦90 billion in credit facilitated to more than 1.5 million customers as of 2025, KiaKia Bits Limited is shaping Nigeria’s inclusive credit economy.

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