Pareto Finance Limited is a licensed Microfinance Institution (MFI) established in 2019, headquartered in Ikeja, Lagos. We specialise in providing flexible micro-credit and financial services to individuals, informal traders, and Micro, Small and Medium Enterprises (MSMEs). Our focus is on the Bottom of the Pyramid customers who are largely under-served by mainstream banks — giving them access to fast, fair, and transparent credit.

Yes. Pareto Finance Limited is a duly registered company in Nigeria (RC 1635733) and operates under the regulatory framework of the Central Bank of Nigeria (CBN) as a Microfinance Institution. You can transact with us with full confidence in our legitimacy and compliance.

Our office is at 3 Olu Oni Close, Off Carthy Street, by Shoprite Mall, Alausa, Ikeja, Lagos. We are open Monday to Friday, 8:00 AM – 5:00 PM. You can also reach us by phone on +234 907 594 1811 or +234 802 492 2866, or email info@pareto8020ng.com.

We offer a wide range of loan products to meet different needs:

• Fast Track Loan – IOU: Short-term salary-backed loan, repayable within 1–2 months.
• Payday / Salary Advance Loan: Quick advance on your next salary, for working-class individuals.
• SME Loan: Working capital and growth finance for small and medium enterprises.
• Micro Loan: Small-ticket loans for traders and informal sector borrowers.
• Asset Finance Loan: Financing for the purchase of equipment, vehicles, or business assets.
• Education Loan: Funds for school fees, professional certifications, or training.
• LPO Finance: Finance against a Local Purchase Order for contractors and suppliers.
• Vacation / Travel Finance: Cover the cost of travel, holidays, or medical trips abroad.
• Esusu: A group savings and credit scheme inspired by the traditional cooperative model.

Loan amounts vary by product and are determined by your income, repayment capacity, credit history, and the purpose of the loan. We encourage you to contact us or visit our office so we can assess your specific situation and recommend the right loan amount for you.

Repayment tenors depend on the loan product. Short-term products like the Fast Track Loan run for 1–2 months. Medium-term products like SME and Asset Finance loans can run from 3 months to 24 months. Our team will work with you to choose a repayment schedule that fits your cash flow.

We welcome applications from:

• Nigerian citizens or residents aged 18 and above
• Salary earners employed in the public or private sector
• Self-employed individuals and sole traders
• Registered small and medium-sized businesses (SMEs)
• Informal traders and market women/men

Eligibility is assessed on a case-by-case basis, and our team will guide you through the process.

The documents required vary by loan type, but typically include:

• Valid government-issued ID (National ID, Voters Card, Driver's Licence, or International Passport)
• Recent passport photograph
• Proof of address (utility bill, tenancy agreement)
• Bank statements (last 3–6 months)
• Payslips or proof of income (for salary earners)
• Business registration documents (for SME loans)
• Letter of introduction or employment letter (where applicable)

Our loan officers will confirm the exact checklist for your chosen product.

Absolutely. We specifically cater to self-employed individuals, informal traders, and business owners. Products like our Micro Loan, SME Loan, LPO Finance, and Esusu are designed with business owners in mind. You will need to provide proof of business activity and evidence of income such as bank statements or business records.

You can apply in three ways:

1. Visit us in person at 3 Olu Oni Close, Alausa, Ikeja, Lagos — our loan officers will assist you directly.
2. Send an enquiry via our Contact page and a member of our team will call you back.
3. Call us on +234 907 594 1811 or +234 802 492 2866 to speak with a loan officer.

We pride ourselves on speedy processing. For most loan products, you can expect an initial decision within 24–48 hours of submitting a complete application with all required documents. Fast Track Loans are typically processed even faster — often on the same day.

Once your loan is approved and all documentation is in order, funds are typically disbursed directly to your bank account within 24 hours. Prompt disbursement is one of our core commitments to customers.

Repayments can be made by bank transfer, direct debit, or in person at our office. Your loan officer will confirm the repayment method and schedule that applies to your loan at the time of disbursement.

We understand that circumstances can change. If you anticipate difficulty making a payment, please contact us immediately on +234 907 594 1811 — early communication helps us find a solution together. Persistent missed payments may attract penalty charges and affect your credit profile, so we always encourage customers to reach out proactively.

Yes. Early repayment is generally allowed and can reduce the total interest you pay. Please speak with your loan officer to confirm any applicable terms before making an early payment.