Invest in Nigeria’s Real Economy with Molta

Molta provides tailored financial technology solutions to bridge the staggering financing gap for MSMEs.

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Earn attractive fixed returns by financing Nigeria’s SMEs through Molta

Molta is a specialist SME lender. When you invest with us, you extend private debt to Molta. We use that capital to fund short-tenor loans for vetted small and medium businesses across Nigeria. Your money doesn’t sit idle — it finances inventory, working capital and expansion for real businesses, while you receive a predictable return.

How your money is used

You invest directly with Molta. Your capital is secured as a corporate loan or note to Molta. We take full responsibility for deploying and managing the underlying risk across a diversified portfolio of short-term SME loans (typically 1–12 months), all backed by verified business cash flow. Regardless of individual borrower performance, Molta services your investment and ensures your fixed returns are paid according to the agreed terms.

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How we manage risk

Every borrower passes through KYC checks, business verification, cash-flow analysis and credit bureau checks. We use guarantors, collateral, portfolio limits and active monitoring to keep defaults low and recover quickly when issues arise.

Who this is for

Molta investments are designed for high-net-worth individuals, family offices and institutions seeking real-economy exposure in Nigeria. This is a private debt product, not a public savings plan, so investors should be comfortable assessing risk and taking a medium-term view.

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Built for investors who want real-world impact and clear returns

Gain exposure to Nigeria’s SME growth with a lender focused on risk management, transparency and execution.

Consistent track record

Our team has deployed over ₦25bn in loans, drawing on 25+ years of combined expertise.

Short-tenor loans

Capital is deployed into 1–12 month SME loans, so it recycles quickly.

Disciplined underwriting

Structured credit policy, committee approvals and ongoing portfolio monitoring.

Diversified exposure

Your investment is spread across many borrowers and sectors, not one big bet.

Technology-enabled lending

Our in-house Credit OS helps us underwrite and monitor loans at speed and scale.

Transparent reporting

Regular updates on portfolio performance and key risk metrics.

Start your Molta investment today

Discover how you can earn fixed returns by funding short-term loans to vetted Nigerian SMEs through Molta.

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FAQ

We’ve got you covered

How predictable are my returns?

Your returns are contractually fixed. The interest rate, tenor, and precise payment schedule are agreed upon and legally binding in your contract. Our robust business model, disciplined credit policy, and exceptional 99% repayment track record are engineered to consistently meet these fixed obligations. Our focus is on executing our strategy to ensure 100% of your principal and interest is delivered on time, every time.

How do Molta's returns compare?

When will I receive my interest payments?

How do I start?