fair, affordable funding for your business today and tomorrow.

fair, affordable funding for your business today and tomorrow.

fair, affordable funding for your business today and tomorrow.

Kamoa is the digital financial marketplace for Nigerian enterprises.

Kamoa is the digital financial marketplace for Nigerian enterprises.

Kamoa is the digital financial marketplace for Nigerian enterprises.

How it Works

How it Works

1

1

Install Kamoa

Install Kamoa

Download to any Android device for free. Once you open the app, you’ll just need to sign up with your phone number and you are ready to go!

Download to any Android device for free. Once you open the app, you’ll just need to sign up with your phone number and you are ready to go!

2

Verify Business Details

Complete the registration process by adding details about you, your business and your finances. The more information you can provide, the better your chance of being matched with a lender.

2

Verify Business Details

Complete the registration process by adding details about you, your business and your finances. The more information you can provide, the better your chance of being matched with a lender.

3

3

Match with lender

Match with lender

Kamoa uses your details to find you the best business loan offers from a range of lenders on the platform. Once matched with an affordable loan, a lender will be in touch with you to finalise the application.

Kamoa uses your details to find you the best business loan offers from a range of lenders on the platform. Once matched with an affordable loan, a lender will be in touch with you to finalise the application.

Kamoa uses your details to find you the best business loan offers from a range of lenders on the platform. Once matched with an affordable loan, a lender will be in touch with you to finalise the application.

Turbocharge your business

growth

Turbocharge your business growth

700

700

Flying high

Flying high

Before Kamoa, business owners had two choices. Either get a fast loan online but pay a lot more than they should. Or apply with an offline lender with long application forms, lengthy approval processes and often little guarantee that they’d be approved.

Before Kamoa, business owners had two choices. Either get a fast loan online but pay a lot more than they should. Or apply with an offline lender with long application forms, lengthy approval processes and often little guarantee that they’d be approved.

Kamoa helps your business find funding from our panel of trusted lenders at market-leading prices with fair, clear and transparent loans.

Kamoa helps your business find funding from our panel of trusted lenders at market-leading prices with fair, clear and transparent loans.

We’re committed to finding you the best funding for your business.

We’re committed to finding you the best funding for your business.

Why you should choose

Kamoa

Why you should choose Kamoa

Why you should choose Kamoa

Kamoa is the digital financial marketplace for Nigerian enterprises.

Kamoa is the digital financial marketplace for Nigerian enterprises.

Trust

Backed by the Development Bank of Nigeria

Choice

Get connected to trusted Nigerian lenders

Growth

Build your business’ digital credit profile

Reliable

Arrange your funding fast

Rewards

Earn rewards as you borrow

A bold partnership

A bold partnership

Kamoa was developed to help business owners find the right funding for their needs. It was developed in partnership with the Development Bank of Nigeria, whose mission is to alleviate financing constraints faced by (M)SMEs and small Corporates in Nigeria.

Kamoa was developed to help business owners find the right funding for their needs. It was developed in partnership with the Development Bank of Nigeria, whose mission is to alleviate financing constraints faced by (M)SMEs and small Corporates in Nigeria.

Frequently asked questions

Frequently asked questions

What is Kamoa

Kamoa is a financial credit marketplace. We help individuals and businesses build and take control of their digital credit profile and connect them with trusted local lenders.

What is Kamoa

Kamoa is a financial credit marketplace. We help individuals and businesses build and take control of their digital credit profile and connect them with trusted local lenders.

What is a TrustScore

What is a TrustScore

How can I improve my TrustScore?

How can I improve my TrustScore?

How is a TrustScore different from a credit score?

How is a TrustScore different from a credit score?

How does Kamoa determine my TrustScore?

How does Kamoa determine my TrustScore?

How do I get a loan?

How do I get a loan?

Why have not recieved a loan offer?

Why have not recieved a loan offer?

Is Kamoa a lender?

Is Kamoa a lender?

How does Kamoa help me improve my score?

How does Kamoa help me improve my score?

Why has my Kamoa TrustScore gone down?

Why has my Kamoa TrustScore gone down?

What can I do to prevent my score from dropping?

What can I do to prevent my score from dropping?

Is my data safe with Kamoa?

Is my data safe with Kamoa?

More FAQ

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.