12/04/2026
📘 Circlesfundme
Circlesfundme Savings and Loans Ltd is a collaborative savings and credit platform designed to empower mobility entrepreneurs (drivers) and small business owners across Nigeria.
We enable individuals and businesses to build financial discipline through structured savings, while providing access to affordable, transparent, and responsible financing solutions for:
Hire purchase of commercial vehicles and tricycles
Working capital and MSME loans
Our model is built to promote sustainability, inclusion, and long-term economic growth.
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💼 Our Services
We provide tailored financial solutions across two primary segments:
1. Asset Financing
Save-to-Own Commercial Vehicle Hire Purchase Scheme
Save-to-Own Tricycle (Keke) Hire Purchase Scheme
2. MSME Financing
Daily Contribution & MSME Loans
Weekly Contribution & MSME Loans
Monthly Contribution & MSME Loans
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🚗 Auto & Tricycle Finance Scheme
This scheme is designed for drivers and transport operators seeking to acquire commercial vehicles or tricycles through a structured and affordable financing model.
Contribution Plans
Daily: ₦1,000
Weekly: ₦7,500
Monthly: ₦30,000
Eligibility Requirement
Applicants are required to maintain a minimum monthly contribution of ₦30,000, which serves as part of a 10% equity contribution (down payment) toward asset acquisition.
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✅ Financing Package Includes
One brand-new or foreign-used (Tokunbo) commercial vehicle or tricycle
(Locally used vehicles are not eligible)
Four (4) years comprehensive insurance coverage
GPS fleet tracking system
Vehicle registration and documentation
Four (4) years credit life insurance
Health insurance coverage up to ₦1,000,000 per annum (for 4 years)
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📊 Financing Terms (Auto & Tricycle)
Interest Rate: 6% per annum
Post-Loan Management Fee: 3% per annum
Loan Protection Fund: 1% per annum
Repayment Duration
Auto Finance: Up to 208 weeks (4 years)
Tricycle Finance: Up to 104 weeks (2 years)
Repayments are structured flexibly on a daily or weekly basis to align with customers’ income patterns.
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🏪 Contribution & MSME Loan Scheme
A flexible and accessible digital savings and lending solution tailored for small and medium-scale business owners.
Eligibility
Open to business owners operating within:
Markets
Shopping complexes
Physical retail environments
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🌟 Key Benefits
Structured and secure savings system
Access to affordable loans at competitive rates
Loan tenure of up to 12 months
No requirement for traditional collateral
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🔐 Alternative Collateral Options
To ensure accessibility, applicants may provide:
Post-dated cheques, or
Two guarantors within the same market or business network
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📉 Financing Terms (MSME Loans)
Interest Rate: 6% per annum
Post-Loan Management Fee: 4% per annum
Loan Protection Fund: 2% per annum
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⏳ Loan Eligibility Timeline
Members become eligible for loan access upon:
A minimum of three (3) months of consistent contributions
Fulfilment of all onboarding requirements
Demonstration of a strong savings and repayment history
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🚀 Getting Started
1. Download the Circlesfundme App via Google Play Store or Apple App Store
2. Create your contribution account
3. Begin saving consistently toward your financial goals
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🎁 Referral Program
Earn ₦500 for every successful referral who:
Registers on the platform
Completes their first contribution
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👔 Career Opportunities
Circlesfundme is expanding across all 774 Local Government Areas in Nigeria.
To join our team as a staff member or independent sales agent:
📧 r.sh*[email protected]
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📞 Contact Us
Phone:
+234 703 331 9394
+234 805 535 7592
Email:
r.sh*[email protected]
[email protected]
[email protected]
Office Address:
Circlesfundme Savings and Loans Ltd
Road 116/118, Off 3rd Avenue
Gwarinpa, Abuja
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🔵 Circlesfundme
Building financial discipline. Enabling access. Empowering growth.
