Who We Are
Who We Are
Addressing the Poverty Challenge In Africa
In Sub-Saharan Africa, approximately 350 million adults lack access to formal financial services, with Nigeria alone accounting for over 10 percent of this number. Without the right financial services, the poor struggle to withstand financial shocks, perpetually trapped in the vicious cycle of poverty.
Beyond Credit Ltd was created with this problem in mind, recognizing poverty as one of the greatest injustices that mankind sustains. It manifests itself through various outcomes, including hunger, malnutrition, high infant mortality, low life expectancy, illiteracy in children, and crime.
Our Vision
Empower owners of micro-enterprises by providing them access to financial services and other tools to attain financial independence and thrive.
Our Mission
To build an innovative, scalable, and sustainable organization that provides inclusive financial services to low-income micro-entrepreneurs in Africa.
Core Values
Professionalism
We are deeply passionate about achieving outstanding results while upholding strong work ethics. We frown upon cutting corners and slothfulness, ensuring excellence in discharging our duties to customers, investors, and team members.
Accountability
Mindful of the significant responsibilities placed on us, we strive to be continually true to our words and plans, creating an environment where every team member rises above challenges to achieve our organizational goals.
Fairness
Being unbiased, impartial, just, and equitable in dealing with all stakeholders is at the core of our values.
Integrity
Daily, we build a strong business based on trust, honesty, consistency, and transparency, certain that these qualities will set us apart and deepen our interactions with stakeholders.
Respect
We promote an environment where all customers and team members are treated with courtesy, irrespective of their backgrounds, valuing their inputs, opinions, and ideas.
Our Specialization
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At Beyond Credit Limited, we specialize in offering loans that cater to the specific needs of individual business owners. Whether you are looking to expand your operations, boost your working capital, or seize new business opportunities, our financial products are designed to empower you at every step.
Our Unique Features
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With our presence in six states in Nigeria, we have a deep understanding of the local business landscape. At the same time, our global vision ensures that our financial solutions are aligned with international best practices.
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We value your time. Our application process is straightforward, ensuring a quick turnaround time so you can access the funds you need when you need them.
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Our team of experienced professionals is committed to providing personalized assistance throughout your financial journey. Whether you have questions, need guidance, or require support, we are just a phone call away.
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Securing a loan from us is a streamlined process, designed for ease and efficiency. The duration for approval typically ranges up to 3 business days, contingent upon the prompt provision of necessary information and documentation by the client, which facilitates our decision-making process.
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Going beyond financial services, we provide additional training programs for the growth of our clients' businesses.
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Providing coverage for unforeseen events, including fire, disability, and death.
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We believe in fair and transparent lending. Our competitive interest rates ensure that you get the financial assistance you need without compromising your bottom line.
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We understand the dynamic nature of businesses. Choose between daily or monthly repayment schedules based on what suits your cash flow best. Our flexibility ensures that you can manage your repayments without unnecessary stress.
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Beyond Credit Limited offers a range of flexible collateral options, making it easier for you to secure the funding you require. Collateral options include household items, fixed assets, inventory, and vehicles. This flexibility is designed to accommodate the diverse needs of our clients.