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Micro Loans
Quick working capital for market traders, artisans and food processors — from as low as ₦100,000 with flexible repayment schedules.
- Loans from ₦50,000
- Weekly or monthly repayment
- Fast, practical assessment
Impact-Driven Financial Services
Empowering Businesses. Building Wealth. Transforming Communities.
We provide credit, payments, thrift and market-access solutions that help businesses grow and improve economic livelihoods across African communities.
✓ Loans from ₦100,000
✓ Attractive Rate
✓ Branches in Owerri, Onitsha & Aba
Invest Now!
Earn up to 24% for a N10M Debenture investment.
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Attractive Rate
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Products & Services
Solutions Built for Real Economic Progress
From market traders to institutional investors, our product suite is designed around the practical needs of African businesses and households.
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SME Loans
Growth facilities of up to ₦100M for inventory expansion, equipment purchases and working capital, structured around your cash flow.
- Facilities up to ₦100M
- Tenors up to 24 months
- Cash-flow structuring
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Target Thrift
A disciplined savings programme with clear targets — perfect for families saving for rent, school fees or business capital.
- Fixed-term savings goals
- Structured payment plans
- Community-based support
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Food Thrift
Save towards food provision with flexible weekly or monthly contributions — practical savings for households and food businesses.
- Weekly or monthly plans
- Food and household budgeting
- Simple, documented records
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Debentures & Investment
Join our growing investor community and earn returns by supporting real businesses across Nigeria through documented instruments.
- Clear return structures
- Documented agreements
- Transparent reporting
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Partnerships
We partner with businesses, cooperatives and community organisations to widen access to capital and market opportunities.
- Agent networks
- Cooperative programmes
- Community outreach
Why XanderDirect
A Financing Partner That Understands Your Reality
Conventional banks often exclude the very businesses that drive local economies. We exist to close that gap with practical assessment, transparent pricing and genuine partnership.
- Practical assessment — we look at your business activity and character, not just paperwork
- Transparent rates — published pricing, no hidden fees, clear offer letters
- Fast decisions — days, not months, from application to disbursement
- Community roots — branches in Owerri, Onitsha and Aba, close to where business happens
Our Impact
Finance That Reaches Where It Matters
Through targeted lending, structured thrift and market access, XanderDirect helps small businesses and communities create sustainable wealth and improve livelihoods across Africa.
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Local Markets
Funding traders, artisans and food processors who form the backbone of the informal economy.
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Households
Thrift programmes that bring savings discipline and financial resilience to families.
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African Communities
Services that foster trade and wealth creation across communities in Africa.
Get Started
Ready to Move Your Business Forward?
Apply for a loan, join a thrift programme or speak to our investor relations team — our branches and online channels are open for you.