Zedvance Finance Limited has disbursed more than N96 billion in commercial loans to businesses across Nigeria, as the lender accelerates its shift beyond consumer financing and positions itself to deepen credit access for enterprises.
The company said the disbursements, achieved through its Commercial Solutions unit launched in 2025, underscore its growing role in business lending and its strategy to close financing gaps for companies navigating tight liquidity conditions.
Drawing on over a decade of operations, Zedvance said the commercial lending arm has quickly emerged as a key growth driver, recording strong loan volumes within its first year and supporting thousands of businesses across multiple sectors.
The lender’s portfolio spans industries including oil and gas, automotive, logistics, renewable energy, financial technology, e-commerce, trade distribution, and agriculture. Its offerings cover working capital financing, invoice and purchase order funding, equipment leasing, trade finance, and ecosystem-based credit solutions.
Zedvance said these products are designed to improve liquidity for businesses, including buy-now-pay-later providers, while also supporting asset acquisition and cross-border trade through import and export financing.
Adedayo Amzat, group managing director of Zedcrest Group, said the company’s model is structured to address persistent funding gaps faced by businesses and to enable faster access to credit.
“We are proud of the progress we have made, particularly in sectors critical to economic development,” Amzat said. “Through initiatives such as solar and asset on-lending, we have expanded energy access and supported income generation by financing mobility platforms across Nigeria.”
He added that the firm’s flagship offering, Liquidity Solutions, was designed to accelerate credit delivery across high-growth sectors, helping businesses unlock funding more quickly and efficiently.
According to Amzat, the product provides tailored financing structures, including inventory funding, invoice discounting, and import finance, allowing businesses to optimise cash flow, increase turnover, and scale operations.
Ayooluwa Oladimeji, acting executive director for Commercial Solutions, said the lender combines technology, sector expertise, and risk-managed structures to deploy a range of financing options, including multi-currency credit lines, buy-now-pay-later facilities, and equipment financing.
“In 2025, the Commercial Solutions business recorded strong growth, supported by partnerships and an expanding client base,” Oladimeji said, noting that the firm has financed companies such as Shekel Mobility, Tradegrid, Sapphire, and CredPal, among others.
He said the company remains focused on expanding credit access across commercial ecosystems to support business resilience and long-term growth.
Building on current momentum, Zedvance said it is targeting more than N250 billion in loan disbursements in 2026. The expansion will focus on sectors including off-grid energy, smart devices, mobility platforms, agribusiness, manufacturing, consumer goods distribution, and hospitality.
The company said the planned scale-up aligns with its broader ambition to drive enterprise growth by improving access to financing across African markets.
Zedvance Finance, a subsidiary of Zedcrest Group established in 2014, provides retail and business financing solutions and says it has served over one million customers since its inception.
Hope Moses-Ashike
Hope Moses-Ashike is an Associate Editor, Banking and Finance, with more than a decade of experience reporting on Nigeria’s financial system and broader economy. She closely tracks market movements, monetary policy decisions, company disclosures, regulatory actions, economic indicators, and global developments, and interprets what they mean for businesses, investors, policymakers, and households. Her reporting helps readers understand complex issues such as inflation trends, foreign exchange market dynamics, interest rate decisions, bank performance, and investment risks.
She also covers major international events and periodically travels to Washington, D.C., to report on the World Bank/IMF Spring and Annual Meetings.
Her dedication to financial journalism has earned her multiple recognitions and invitations to high-level professional development programmes. She is an alumna of the International Visitors Leadership Programme (IVLP) in the United States and holds an Advanced Financial Journalism Certificate from the Press Association Training in London, UK. Her other notable achievements include completing the Lagos Business School CMC Programme, the Bloomberg Media Africa Initiative Programme, and a Master Class in Journalism at Rhodes University in South Africa.
