How to Qualify
You're eligible if you meet all three of the following:
You've been selling on Catlog for at least 12 months
You process at least ₦2,500,000 in monthly sales through Catlog
You have a consistent sales record — regular orders and reliable fulfilment
Every sale you process on Catlog counts. The more you sell, the more you can borrow.
How Much Can You Get?
Your loan limit is based on your average monthly sales over the last 6 months, multiplied by 1.5. The maximum is capped at ₦10,000,000.
Monthly Orders | Avg Order Value | Monthly GMV | Loan Limit |
150 orders | ₦16,600 | ₦2,500,000 | ₦4,500,000 |
190 orders | ₦20,000 | ₦3,800,000 | ₦5,700,000 |
250 orders | ₦25,000 | ₦6,250,000 | ₦9,375,000 |
GMV (Gross Merchandise Value) = the total value of all sales made over a period.
How It Works
We review your sales — your last 6 months of orders and average order value on Catlog.
You get an offer — we tell you how much you qualify for and your interest rate (26% per year).
Money hits your wallet — accept the offer and funds go straight to your Catlog wallet.
Repayments are automatic — we deduct up to 25% from each sale you make.
How Repayment Works
Every time you make a sale, a small percentage goes towards your loan — no manual payments needed.
Customer Pays | Goes to Loan (25%) | You Receive |
₦20,000 | ₦5,000 | ₦15,000 |
A few things to know:
Interest is 26% per year, calculated only on the outstanding balance
As you pay down your loan, your interest reduces
Loan terms run between 6 and 12 months
Slow sales month? Your deduction is smaller too — no penalties
No fixed minimum payments
Common Questions
How long does approval take?
We review your sales and give you a decision within 24–48 hours.
What if I have a slow month?
No problem. Deductions flex with your sales — a quiet month means a smaller deduction, no penalty.
What happens when I finish paying?
Deductions stop automatically. You can then apply for a new loan, potentially at a higher limit based on your updated sales record.
Interested in the business loan?
Send an email to [email protected]