We read 90 days of your Interswitch POS history, generate a credit score in seconds, and offer working capital with zero collateral. Repayment auto-deducts from your daily settlement.
60 sec
Loan decision
₦0
Collateral
41M+
Eligible merchants
How it works
01
Enter your BVN
Interswitch Passport verifies your identity and links all your bank accounts in one tap.
02
We score your POS data
Our engine reads 90 days of Quickteller transactions across all accounts and wallets.
03
Receive your offer
Accept your loan and funds arrive same day. 10% auto-deducted from each daily settlement.
Credit Score Engine
No black box. Every point is explainable. Merchants can see exactly what to improve to qualify next cycle.
Revenue Volume
25pts
Trading Consistency
25pts
Refund Rate
20pts
Settlement Speed
10pts
Revenue Stability
10pts
Account Coverage
10pts
Real outcomes
Emeka Nwosu
Cold Room, Mile 12 Market
Processes ₦4M per month. 30 active trading days. Rock solid settlement speed.
Hajiya Ramatu
Farm Produce, Kaduna
30 years of trading. Seasonal dip before planting season. Approved on consistency, not just volume.
Tunde Adeyemi
Electronics, Oshodi
High refund rate flagged. Score simulator shows exactly what to fix to qualify next cycle.
The edge
Reads transactions from GTBank, Moniepoint, Opay, Palmpay and 20+ more
Zero collateral or guarantors required
Repayment auto-deducted from daily settlement — no phone calls
Credit score grows with every repayment cycle
Loan decision in under 60 seconds
Built on Interswitch payment infrastructure
The opportunity
Nobody is lending against this data. MerchantFloat is the first product to turn Interswitch settlement data into instant credit decisions.
41M+
Informal merchants in Nigeria
1%
410,000 merchants we can serve in year one
₦300B+
Potential loan book at ₦750k average
We just started reading it. Takes less than 60 seconds. No collateral required.
Get Your Loan OfferPowered by Interswitch