Essential Finance Ltd

Essential Finance Ltd (EFL) is a CAC-incorporated finance company (established January 2020) operating under Nigeria’s BOFIA framework. We are committed to helping individuals, employees, and small businesses unlock financial potential through tailored loan and investment products. EFL offers SME loans (LPO finance, contract supply, invoice discounting, cashback loans), employee loans of up to ₦2.5 million repayable over 12-18 months via salary deduction or source deductions, and micro-investment options where clients can invest between ₦50,000 and ₦1,000,000 for terms ranging from 90 to 365 days, with competitive returns. Based in Onikan, Lagos, Essential Finance delivers fast disbursement, flexible documentation, transparent pricing, and financial solutions designed to support personal and business growth.

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