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Indie Finance — Loan, Investment, Advisory
Insights

Plain answers to expensive questions

Short pieces on how borrowing actually works, what lenders look for, and how to keep a growing business solvent.

Money guides · 6 min read

Flat rate or reducing balance: what your loan actually costs

Two lenders can quote the same number and charge you very different amounts. Here is how to read a Nigerian loan offer properly.

28 July 2026

Business finance · 5 min read

The working capital gap that quietly caps Nigerian SMEs

Profitable businesses stall because cash arrives after it is needed. Mapping the gap is the first step to closing it.

15 June 2026

Women in business · 7 min read

What lenders actually look for in a woman-owned business

Records beat projections. A short guide to preparing an application that gets to the credit committee intact.

30 May 2026