Business, high quality, Success, Uncategorized

So, you’ve taken the bold step to become an entrepreneur? Congratulations, boss! But before you start popping champagne and calling yourself “CEO”, just know that business life comes with premium shege. And one of the biggest wahala you may face? Money.

No matter how gingered you are, there will be moments when capital may show you pepper—whether it’s expanding your hustle, entering new markets, or just upgrading your equipment to stay ahead. E fit touch you.

But don’t panic. You’re not alone, and you’re certainly not the first person to experience it. That’s exactly why Market Monie has created flexible business loan options designed just for people like you. We’re not just here to give loans; we’re here to provide the right financial solutions for whatever stage your business is in.

If your business is leveling up, here are some key financing solutions you can explore:

1) Business Loans – No Long Talk, Just Growth Money

This is the bread and butter of Market Monie. Need cash to scale up? Want to buy new equipment? Looking to boost production? This is for you.

A business loan is a type of term loan—meaning you borrow a set amount, agree on repayment terms, and pay back over time. Simple. Market Monie even makes it easier with flexible repayment plans and interest rates that won’t make you cry. Whether you need funds for working capital or big expansions, we got you.

2) Lines of Credit – Take What You Need, When You Need It

This one is for people who like chop small, come back for more. Instead of taking one big loan at once, you get a set credit limit and can borrow from it as needed. Once you pay back, you can borrow again.

But here’s the catch—your creditworthiness matters. If you have a history of borrowing money and disappearing like AM radio, this one might not be for you.

The biggest advantage? You only pay interest on the money you actually borrow. No need to be paying interest on cash you didn’t even use.

3) Equity Financing – Bring Investors, Share the Cake

Think of your business like a jigsaw puzzle. You have the vision, but you don’t have all the pieces. Instead of waiting forever, why not bring in people who have the missing pieces?

This is what Equity Financing is about. Investors (aka angel investors or venture capitalists) put money into your business in exchange for a piece of it. If the business succeeds, you all chop together. If not, nobody is dragging you to refund their money.

No loans, no debt—just business partnerships that can take you to the next level. But be ready, because these investors will now have a say in your business.

4) Revenue-Based Financing – Investors That Chop When You Chop

This one is like Equity Financing, but with a twist—your investor will get their money back. Instead of owning a part of your business, they invest in you, and you pay them back based on your revenue.

If you make more money this month, they get more. If business is slow, they wait. No fixed monthly wahala—just flexible payments based on how well your business is doing.

The best part? You remain the full owner of your business. No sharing of control, no dilution of power—just pure financial support that allows you to grow.

Oya, What’s Next?

All these options come with their own pros and cons, so it’s important to sit down, reason am well, and choose the one that best suits your business goals. But no matter which one you go for, Market Monie is here to support your growth.

📞 Call us now: (+234) 913 – 6000 – 833
📧 Email us: info@marketmonie.com

Don’t let money wahala slow you down—take your business to the next level today!

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Business, high quality, Success

If your business was a person, would it be dancing shaku shaku in confusion or moving like a boss with confidence? The truth is that some traders are just rearranging goods on their tables, not really selling anything. But not you, well not after today.

Dear trader, if you want to see real market success, your mindset needs to wear correct agbada, not tying wrapper that shifts at every small breeze of wahala.

This is 2025! Let’s upgrade your market mentality!

1. Stop Treating Your Business Like a Side Chick

Some traders behave like their business is on probation—today they are serious, tomorrow they vanish like NEPA light. If you treat your business like an afterthought, customers will treat it the same way. Now the mindset shift is to take your business seriously. Be consistent. Show up daily, improve your service, and make your customers see you as reliable.

2. Stop Spending Your Profit Anyhow

Some traders make money and before you say “Market Monie,” they’ve used everything to buy Asoebi or do birthday giveaways on WhatsApp. Ah! How will the business grow like that na? You should separate business money from personal money. Profit is not for flexing; it’s for reinvesting. Even if you must enjoy small, let your money first work like an apprentice before you start paying it salary.

3. You are Not Doing Your Customers a Favor

Don’t be a trader who is always frowning and acting as if customers are begging you to sell your market. Ogbeni, it’s a market, not a government office—loosen up a little, customers are your biggest asset. If you treat them well, they will treat your pocket well. Be friendly, be patient, and stop acting like the money is entering your neighbor’s account.

4. Prices Are Not Fixed Like Cement Blocks

Some traders will chase customers away because they refuse to remove ₦50. What’s the gain in holding onto price when you can adjust small and still make profit? Business is about strategy, not stubbornness.

5. Packaging Is Not a Crime—Make Your Business Look Good

Some traders believe, “My product is good, why should I bother about packaging?” But see ehn, even suya sellers now put their meat inside fancy paper wraps! Make your business attractive. Arrange your goods well. Even a small nylon bag with your name on it can make a difference. People love to buy from businesses that look professional, even if it’s just pepper and tomatoes.

6. No Business Grows Without Capital—Stop Managing Like That

If your business is always in a financial coma, struggling to breathe, maybe it’s time to inject capital instead of managing like an old generator. Growth requires you to either invest in more stock, better equipment, or shop expansion. Instead of waiting for a miracle, why not take a loan designed for traders like you? With Market Monie, you get access to quick and flexible loans that help you buy more goods, meet customer demands, and increase your profits.

Carry Your Market with Sense!

A business that does not grow is a glorified hobby. If you want real success, upgrade your thinking, upgrade your hustle. The difference between a struggling trader and a successful one is not jazz—it’s strategy and mindset. So, shine your eye, fix your mentality, and let’s make this year your best market year yet! Call (234) 913-6000-833 to get started.

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Business, high quality, Success, Uncategorized

There’s this game called, “Pop the Balloon or Find Love”, it is a social game where a group of men stand in a line, each holding a balloon and a pin. A girl walks in and shares a bit about herself, the participants decide to either pop their balloons as a show of disinterest or keep the conversation going with her. Now the thing is, some men just pop their balloons as soon as the girl walks in—they already judge her as “not their type” solely based on appearance. No conversation, no getting to know her—just pop! Instant conclusion.

Now, imagine if “Prosperity” walked into that room. Many people may impatiently pop their balloons because it doesn’t fit their idea of prosperity. “No money? Not interested.” “No flashy cars? Abeg, next.” They assume that if prosperity doesn’t look like a fat bank account, it’s not worth celebrating. Truth is, real prosperity isn’t just about money. And just like in the game, some people who popped their balloons too soon would later realize they made a mistake.

At Market Monie, we believe that business growth doesn’t come from staring at your sales book and wishing for an account balance that makes your heart sing. It starts from a mindset shift—seeing prosperity beyond just money and embracing the different faces it takes.

Let’s explore the different faces of prosperity.

1. The Face of Knowledge – Prosperity through wisdom

You see that trader who always seems to have the right goods at the right time, while others are struggling to sell? It’s not jazz, it’s knowledge. Information is like a silent investor in your business—it doesn’t show up in your shop every day, but it’s working for you behind the scenes.

The smart trader knows when the price of rice will rise before others do. The sharp tailor knows Asoebi styles before they go viral. The businessperson who understands customer behavior knows exactly when to give jara to secure a lifelong customer.

Money comes and goes, but knowledge? That one stays with you and keeps opening doors.

2. The Face of Relationships – Prosperity through People

Some people move with grace not because they have money, but because they have people. The man who sells pepper but has built strong relationships with suppliers gets the best goods before others. The woman who sews clothes and treats her customers like VIPs never lacks referrals.

Your network is a bank, and sometimes, your next business breakthrough is one good relationship away. We have seen these instances a lot of times—many of our clients not only expand their businesses but also build trust with people who help them grow in unexpected ways.

3. The Face of Courage – Prosperity Through Bold Decisions

Some people are still where they were five years ago, not because they don’t work hard, but because they are afraid to take bold steps. They want prosperity, but they also want to play it too safe. My dear, even Akara must enter hot oil before it becomes golden brown.

Every successful business has taken a risk at some point. That woman who expanded her shop? She first took a loan to buy more goods. That man who now supplies chin-chin to supermarkets? He first dared to go beyond selling in just his street.

If you keep waiting for perfect conditions, you’ll wake up one day and realize that na you and fear dey do business, no be you and prosperity.

4. The Face of Systems – Prosperity Through Structure

Some traders are doing business, others are running a system. If you have to be physically present every day before your shop makes money, prosperity hasn’t fully smiled on you yet. The most successful business owners create systems—staff that can operate without them, processes that don’t need their daily micromanagement and structures that allow them to rest without closing shop.

A woman who sells rice and stew in a local buka might think she’s just a cook, but if she sets up a proper system with trained staff, structured service, and steady supplies, she’s no longer just a cook—she’s a business mogul in the making.

The problem is not always the business; sometimes, it’s the way we see things.

Prosperity is not only in bank alerts—it’s in knowledge, relationships, courage, and structure. And guess what? When you embrace these other faces, the face of money won’t be far behind.

So, dear business owner, trader, or entrepreneur, the question is: what face of prosperity are you missing? Maybe it’s time to shift your perspective and let Market Monie help you unlock new possibilities, call us today at(+234) 913-6000-833. Because prosperity is already looking at you, maybe it’s time to look back.

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Business, high quality, Success, Uncategorized

Making Your Business the Next Big Thing

“Better soup, na money kill am.” But my friend, better soup no be just about money—it still needs the right ingredients, steady planning, and patience to make it truly delicious. Running a business isn’t any different. If you want to move your hustle from ‘regular roadside’ to ‘talk of the town,’ you need more than just effort—you need the right support and strategy to thrive.

That’s where Market Monie comes in, just like the helper in those Nollywood movies who changes everything for the struggling protagonist. With us, your business no go just survive—e go shine. Let’s show you how we make this happen.

1. The Daily Loan: For Hustlers Who Keep the Market Buzzing

This one’s for the true grinders—the traders who never let their stalls rest, from morning till market close. The Daily Loan is perfect for smaller business owners who make consistent sales every day.

Here’s how it works:

  • You get a loan based on your needs.
  • The repayment is calculated into a fixed amount you remit daily, based on the loan amount and interest.
  • It’s designed to be quick—before you know it, you’ve paid off the loan and are eligible for another one.

Why You’ll Love It:

  • No long story: Quick repayment means quick access to another loan.
  • It helps you restock consistently, keeping your stall the go-to spot for customers.
  • Perfect for businesses that move goods daily, like foodstuff traders or roadside vendors.

2. The Weekly Loan: Flexibility Meets Speed

Hm, the Weekly Loan—the balance between hustle and breathing space. This loan plan is ideal for traders who need a bit more time to gather profits but still want to pay off their loans fast. Imagine you’re a tailor collecting weekly payments from your customers. With the Weekly Loan, you can manage your cash flow without feeling choked.

The gist is:

  • You repay a fixed amount weekly, giving you time to plan your finances.
  • The terms are structured to be flexible while still helping you pay off quickly.

Why You’ll Love It:

  • Perfect for traders who don’t make daily sales but still need quick access to capital.
  • Provides breathing room while keeping you motivated to finish repayment.
  • Gives you the power to invest in bigger stock or take advantage of market opportunities.

3. The Monthly Loan: The Big Rope for Big Dreams

If you’re thinking long-term, the Monthly Loan is your best bet. This plan is designed for traders who need more capital to make significant investments and want ample time to repay. Think of it as a financial bridge that connects your big dreams to reality.

Here’s how it works:

  • You get up to six months to repay the loan, with monthly payments tailored to fit your cash flow.
  • It’s ideal for traders with larger turnovers or those who deal in bulk goods.

Why You’ll Love It:

  • Longer repayment periods mean less pressure on your business cash flow.
  • Gives you the financial muscle to stock up, expand, or take on bigger projects.
  • It’s your runway to go from “small trader” to “market legend.”

4. Flexisavings: Saving Without Temptation

Now, let’s talk about Flexisavings—your personal kolo (piggy bank) with a twist. Flexisavings is more than just a savings feature; it’s your ticket to financial discipline.

Here’s how it works:

  • You commit to saving a specific amount over a chosen period.
  • Withdrawals are only allowed after set tenures, so you’re not tempted to “borrow” from yourself.

Why You’ll Love It:

  • Helps you save efficiently without the usual temptations.
  • Perfect for traders looking to build a reserve for emergencies or future investments.
  • Keeps your savings on track while you focus on growing your business.

Your Growth, Our Priority

At Market Monie, we don’t just offer loans and savings features; we offer partnership. Whether you’re restocking daily, expanding weekly, or building monthly, our products are designed to grow with you.

Think about it:

  • The Daily Loan keeps your shelves stocked and your customers happy.
  • The Weekly Loan gives you room to breathe while building momentum.
  • The Monthly Loan gives you the leverage to dream bigger and achieve more.
  • And Flexisavings ensures that when opportunity knocks, you’ll have savings ready to answer.

Because at the end of the day, your success is our success. So, what are you waiting for?

Call us today at(+234) 913-6000-833 let MarketMonie be the helping hand that turns your business into The Next Big Thing.

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Business, high quality, Success, Uncategorized

Architecture is a fascinating craft, isn’t it? Imagine an architect standing on an empty plot, holding a blueprint for a grand building. To you, it’s just sand and weeds, but to the architect, it’s a masterpiece waiting to rise. They don’t just see the structure—they see the process, the layers, the bricks, and beams coming together to create something timeless. That kind of imagination? Na big deal!

Now think about it—this is not so different from what you do as a business owner. You know what you want: growth, success, and financial stability. You’ve got the vision, the plan, the dream. But just like a building needs bricks, mortar, and a solid foundation, your business needs strong financial pillars to bring that dream to life.

In the world of business, financial stability is built on three fundamental bricks: Loans, Cash Flow, and Wealth. Like a skilled mason, you must align these bricks carefully to build a strong and lasting empire. Let’s break it down.

Loans: Laying the Foundation

Loans are like the first brick in your financial journey. When used strategically, they give you the resources to expand, tackle challenges, and seize new opportunities. Think of loans as your stepping stone, that boost you need to get ahead. Here’s how they help:

  • Fuel for Expansion: Whether you’re buying new equipment, hiring top-tier staff, or entering fresh markets, loans can provide the financial push to make it happen.
  • Bridging Financial Gaps: Let’s be real—business no be straight road. There will be slow seasons and emergencies. Loans can help you stay afloat, covering operational costs until things stabilize.
  • Building Credibility: Successfully managing loans builds your creditworthiness. This makes it easier to secure even bigger funding in the future when your business needs it.

But wait o! Taking loans isn’t a free-for-all. You must ensure you’re borrowing from the right source—an organization that values your growth as much as you do. That’s where Market Monie shines. Their mission is simple: to provide the right loans tailored to help your business grow without stress.

Cash Flow: The Lifeblood of Your Business

Next up is cash flow—arguably the most important part of running a business. Cash flow refers to the movement of money in and out of your business, like water flowing through a river. And just like a river, if more water flows in than flows out, the river remains full.

Positive cash flow is when your inflows (income) exceed your outflows (expenses). It ensures you can meet financial obligations, keep operations running smoothly, and invest in new opportunities. Without positive cash flow, even the most promising business will struggle.

Here are some tried-and-true tips to maintain a steady cash flow:

  • Track Regularly: Don’t guess; keep an eye on your cash flow. Monitoring your finances helps you identify patterns, spot unnecessary expenses, and prepare for the future.
  • Optimize Timing: Financial strain is often about timing. Align your inflows with your outflows so you don’t find yourself stranded when bills are due.
  • Control Expenses: Trim the fat! Review your spending habits and cut out anything unnecessary. If you don’t need it, don’t spend on it.

A positive cash flow isn’t just about survival; it’s about thriving. With a healthy inflow of cash, you can reinvest in your business, take calculated risks, and scale to greater heights.

Wealth: Building the Future

Now let’s talk about wealth. When most people hear “wealth,” they think about flashy cars, luxury vacations, or jaw-dropping mansions. And while those things aren’t bad, true wealth is about much more—it’s about creating security for the future.

Unlike loans or cash flow, wealth isn’t something you need immediately; it’s a long-term game. Wealth acts as a safety net, protecting your business from unexpected challenges and setting you up for generational success.

Here’s how you can start building wealth today:

  • Save Consistently: Small savings add up over time. Be disciplined and set aside a portion of your business income regularly.
  • Invest Strategically: Put your money where it will grow. Look for investment opportunities that align with your goals.
  • Pay Off High-Interest Debt: Debt with high interest can drain your resources. Tackle it early to free up more money for wealth creation.
  • Reinvest Profits: Don’t eat all your gains. Reinvest a portion of your profits back into the business to fuel growth.

Wealth creation isn’t about overnight success; it’s about patience, discipline, and smart decisions.

The Bigger Picture: A Financial Ecosystem

Here’s the truth: Loans, Cash Flow, and Wealth aren’t separate entities. They’re part of a larger financial ecosystem, each one feeding into the other to create stability. Let me paint a picture for you:

  1. Strategic Loans provide the cash injection needed to keep your business running, even during tough times.
  2. Healthy Cash Flow ensures you can meet daily obligations while generating surplus income.
  3. Surplus Income can then be saved or invested, leading to Wealth Creation that secures your future.

And the cycle continues, each brick reinforcing the others, creating a fortress of financial stability.

Why MarketMonie?

Building a financially stable business takes time, effort, and the right partners. That’s why MarketMonie exists—to provide the tools and resources you need to thrive. Whether you’re looking to expand, manage cash flow, or secure your future, we’re here to support you every step of the way.

📞 Call us today: (+234) 913 – 6000 – 833
📧 Email: info@marketmonie.com

Join the Market Monie family and let’s build your financial legacy together. Remember, na who get plan dey make am for this business game!

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Business, Success, Uncategorized

Life is full of lessons, and one of them can come from something as simple as growing a plant. It’s tricky business—you can’t give it too much water or sunlight, but you also can’t starve it. The balance has to be just right, or the plant wilts and dies (unlike overeating, which just makes us uncomfortably full, abi?).

Now, think of your business like that plant. Funds are its nourishment. Starve your business of funds, and it won’t thrive. But here’s the thing—it’s not just about borrowing money. It’s about smart borrowing—using funds as a launchpad for growth, profit, and new opportunities.

At MarketMonie, we don’t just provide loans; we offer the tools to help you borrow smartly and achieve lasting success. So, are you ready? Here are your smart borrowing strategies:

1. Start with Clear Objectives

Imagine this: You get the loan, and suddenly, it’s pepper soup today, pizza and ice cream tomorrow. Before you blink, your funds have gone, just like that—fiam!

Avoid that mistake. Define your goals. Will the funds expand your storage space, restock inventory, or purchase new equipment? Be prepared with a plan before the funds hit your account.

2. Know Your Financial Position

Oya, no forming here. Be honest with yourself. How’s your cash flow? What’s your revenue like? Do you have existing debts? Borrow only what your business can handle.

Don’t bite more than you can chew. Overborrowing could leave you choking, and that’s no way to run a business.

3. Pick the Right Loan for Your Business

All loans are not the same—just like all fingers have different roles. The thumb can’t wear a ring, and the index finger doesn’t give a thumbs-up. At Market Monie, we have loan products tailored to suit your business’s unique cash flow, that way, you can pick what works best for you:

  • Daily Loans: Small daily repayments to help you stay flexible and access more funds as you grow.
  • Weekly Loans: Perfect for businesses with weekly cash inflows. You can access larger amounts and spread out repayments conveniently.
  • Monthly Loans: Need even more funds? Our monthly loan allows you to access higher amounts with terms designed for businesses that prefer monthly repayments.

Choose wisely, my friend.

4. Look for the Best Rates

Selecting a loan is like picking the perfect aso-ebi for an owambe—it requires care, attention, and style. Compare interest rates and repayment terms to find the best deal for your business.

With MarketMonie, you can rest assured that our terms are designed to help your business flourish.

5. Plan Your Repayments Ahead of Time

Borrowing without a repayment plan is like taking okada without knowing your destination. Map out a strategy that aligns with your revenue streams.

Balance affordability with a repayment schedule that won’t leave your business gasping for air.

6. Invest in Revenue-Boosting Moves

Don’t waste your loan on “vibes and inshallah” expenses. Use it for actions that will generate revenue—invest in marketing, upgrade your equipment, or boost production efficiency.

7. Stay Flexible and Monitor Your Progress

In business, the only constant is change. Keep an eye on your loan usage and adjust your strategies when needed. This helps you maximize every naira borrowed.

Borrowing is not a weakness—it’s a power move. Even the biggest businesses use loans to grow. So, when MarketMonie offers you the chance to fuel your dreams, I only want to hear one thing from you: Gbewa!

📞 Call us now at (+234) 913 – 6000 – 833 or send an email to info@marketmonie.com. Let’s help you grow your business the smart way!

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Business, Success, Uncategorized

Have you seen the movie Transformers? It’s a peak movie, I must say. Let me give you a little bit of the plot. There are two races of robots from space at war over a valuable artifact that can create life, called the AllSpark. The Autobots (the good guys) and the Decepticons (the nasty guys) are battling for control. The AllSpark gets lost and ends up on Earth, where a human named Sam enters the story.

Sam holds the key to finding the AllSpark. When he buys his first car, Bumblebee—yes, you guessed it, an Autobot—he is drawn into the battle to help ensure the Autobots win and keep the Decepticons from causing harm.

Now, how is this relevant to you? Let’s call your business the Autobots, the challenges you face the Decepticons (pretty nasty, right?), the AllSpark your ultimate goal, and your secret weapon that holds the key to success is Sam—well, that would be us at Market Monie!

Just like in all superhero movies, Sam assists the Autobots and saves the day. That’s why we’re here for you with our tailor-made business loans to help you reach your goals and tackle those pesky Decepticons (challenges) head-on.

Here’s how we intend to do it:

1. Keeping the Money Flowing

Imagine this: your business is booming, and orders are pouring in, but you don’t have enough cash on hand to buy the materials you need to fulfill those orders. Frustrating, right? It’s a common situation for small businesses, and it’s not always possible to ask customers to pay upfront for products they haven’t seen.

This is where a business loan can save the day.

It acts as a financial bridge, helping you cover gaps in cash flow so you can keep operations running smoothly. Whether it’s paying suppliers, covering employee wages, or managing unexpected expenses, access to extra funds can make all the difference. With Market Monie, you can shift gears like Optimus Prime (the leader of the Autobots and like you, the head of your team), turning potential roadblocks into pathways to success.

2. Investing in Growth

Growth is a continuous process if you want to achieve the AllSpark—your goal—and it requires investment. Business loans enable small enterprises to make strategic investments that propel them to the next level.

Here are a few ways loans can help:

  • Expanding into New Markets: Extending your reach is no small feat, nor is it cheap, but it’s a necessary investment that often pays off. To expand into new markets, you need research, marketing campaigns, and sometimes even new products for your target audience. Loans can fund these efforts, giving your business the push it needs to grow its customer base.
  • Upgrading Technology: Using outdated tools can slow down your productivity and hold your business back. With a loan, you can invest in improved technology to enhance operations and stay competitive.
  • Building a Strong Team: Great employees are the backbone of a successful business. Loans can help you attract top talent by funding competitive salaries, training programs, and benefits packages. Even if employees are passionate about their work, good pay is always a nice incentive to do better.
3. Gaining Financial Confidence

Here’s a little secret many don’t know: taking out a loan isn’t just about the money—it’s about the confidence it gives you. Think of it as an opportunity to build your financial credibility and creditworthiness. Successfully repaying a loan makes it easier to access more funding in the future. It shows potential lenders or investors that you’re reliable and won’t misuse the funds.

Plus, managing a loan—from application to repayment—teaches financial discipline. It encourages businesses to maintain accurate records, plan budgets carefully, and stay focused on their goals.

Every entrepreneur starts with a dream of what their business could become. But turning that dream into reality requires more than just hard work—it requires the right tools and resources. Business loans provide the foundation for success. Just like the Autobots unite to overcome challenges, we at Market Monie partner with you to empower your business to rise to the occasion and build a legacy.

Call us: (+234) 913-6000-833
Email us: info@marketmonie.com

We’re expecting you!

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Business

Among the other things Fibonacci introduced to the Western world was a sequence of numbers discovered by 6th century Indian mathematicians. In that sequence each number is the sum of the previous two numbers – and it would later be named the Fibonacci Sequence. Using the numbers geometrically will create a logarithmic spiral. In case we didn’t lose you yet, we can actually show you that spiral – because it’s prominently placed right on the hood of the A9.

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Business

There is a popular saying that goes: “Do it afraid.”

This was our disposition in October 2022 when we took the bold step into the bustling Ikotun Market in Lagos to onboard our very first customers interested in short-term loans to grow their businesses.

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