Moniepoint Disburses ₦1 Trillion to 70,000 Nigerian Businesses in 2025

In its 2025 Year in Review report,  Moniepoint Group announced that it disbursed over ₦1 trillion in loans to approximately 70,000 small and informal businesses across Nigeria. The initiative aimed to fill a critical credit gap as traditional commercial banks tightened lending to the private sector.

The financial support had a measurable impact on recipient businesses. Companies that accessed Moniepoint loans experienced an average 36% increase in transaction value, demonstrating the effectiveness of the funding in driving business growth. With ₦1 trillion distributed among 70,000 businesses, the average loan size was roughly ₦14.3 million, indicating that Moniepoint’s lending focused on substantial capital support rather than micro-scale financing.

Moniepoint leveraged its extensive payments data and point-of-sale activity to assess creditworthiness, rather than relying on traditional credit scores or collateral. This innovative approach enabled the fintech to extend credit to informal sector businesses that often lack access to conventional financing.

The majority of loans were directed to everyday businesses forming the backbone of Nigeria’s informal economy. Key recipients included provision stores, supermarkets, building material sellers, raw food traders, and drink and water wholesalers.

The lending milestone was part of a wider year of growth for Moniepoint. The company processed eight out of every ten in-person payments in Nigeria, handling over ₦412 trillion in transaction value across more than 14 billion transactions. Additionally, Moniepoint Microfinance Bank, the group’s Nigerian subsidiary, was upgraded to a National Microfinance Bank license in 2025, further solidifying its position in the country’s financial sector.