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Flexible Financing

Business & Personal Loans

Get flexible, collateral-friendly capital from ₦100,000 up to ₦5,000,000 with transparent terms.

Credit Solutions

Our Loan Products

Choose a tailored credit facility that perfectly aligns with your current cashflow requirements.

Salary Loans

Designed for employed professionals who need salary advances to handle school fees, medical emergencies, or asset purchases. Fast approvals backed by workplace introductions.

Apply for Salary Loan →

SME Loans

Tailored for retail merchants, traders, and small business owners looking to boost inventory or expand physical shop operations. Flexible repayment matching aligned with monthly sales cycles.

Apply for SME Loan →

Quick Finance

Urgent microfinance cash-advances backed by vehicle document verification or equivalent collateral. Designed to provide instant financial breathing room in under 24 hours.

Apply for Quick Finance →

Application Checklist

Choose a loan product below to view its specific required documents and eligibility criteria:

✓ 2 Passport Photographs (duly signed)
✓ Copy of NIN Slip or any valid means of identification (duly signed)
✓ Copy of CAC Documents (For Registered Businesses)
✓ Original Receipts of Business/Personal Assets (Assets must be directly owned)
✓ Business must have been in operation for at least 1 year
✓ 2 Guarantors (with 1 Passport photo each, NIN slip, and Work ID card, all duly signed)
✓ For loans of ₦400,000 and above: Must provide 3 months Business bank statement, Business postdated cheques (4 leaflets) or 3 months Guarantor bank statement and postdated cheques (4 leaflets). Guarantor account can be salary or business.
✓ For loans of ₦600,000 and above: Must provide a movable asset (Vehicle preferably) and original documents of such asset.
✓ No bad/default loans with any financial institution
✓ Duly signed Court Order Undertaking
✓ Business must be of daily economic returns/turnover (e.g., Provision Store, Pharmaceutical, Food Items, Restaurants, Bars, Hotels, and other daily income businesses; Schools in some cases).
! Please ensure you read thoroughly and possess all requirements before applying. (Note: No refund of registration fee after Credit Search).

Office Visit Required for SMEs & Business Loans

For SMEs and Business Loan processing, physical assessment and document submission must be conducted at our office. Please visit us at our office address below or view the map for directions:

Heaven's Global Investment Ltd

FF7, Zabura Plaza, off Samrada Junction, Beside Command Secondary School, Romi, Kaduna 800234, Nigeria

📞 Phone: +234 708 263 5771 ✉️ Email: support@heavensglobalinvestment.com
✓ 2 Passport Photographs (duly signed)
✓ Copy of Work ID card or Letter of Introduction from Employer
✓ Copy of NIN Slip or any valid means of identification
✓ 3 Months Salary account bank statement (Sent via mail to: heavenglobalinvestment@gmail.com)
✓ Post-dated Salary Cheques, duly signed and opened for clearing (4 leaflets)
✓ 2 Guarantors (each providing 1 signed Passport photograph, and signed copies of NIN Slip & Work ID card)
✓ For loans of ₦400,000 and above: Either guarantor must provide their 3 months bank statement and duly signed postdated cheques (3 leaflets).
✓ No bad/default loans with any financial institution
✓ Loan amount is subject to 100% of net salary inflow less all recurring debt obligations or payments shown in statement.
✓ Disbursement is strictly processed into the customer salary account provided.
! Please ensure you read thoroughly and possess all requirements before applying. (Note: No refund of registration fee after Credit Search).
✓ 1 Passport Photograph of the client
✓ Signed copies of valid ID cards for both Client and his/her Witness
✓ Collateral Asset (Vehicle only) alongside all Original documents of the subject asset.

Office Visit Required for Quick Finance Loans

For Quick Finance Loan processing, physical vehicle inspection and original document verification must be conducted at our office. Please visit us at our office address below or view the map for directions:

Heaven's Global Investment Ltd

FF7, Zabura Plaza, off Samrada Junction, Beside Command Secondary School, Romi, Kaduna 800234, Nigeria

📞 Phone: +234 708 263 5771 ✉️ Email: support@heavensglobalinvestment.com
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The Process

How to Get a Loan

Follow these four simple steps to get your loan application processed and funded.

01

Register Online

Log in or create your HGI account, and fill out the loan application wizard directly on your customer portal.

02

Upload Documents

Upload the required regulatory identity documents, passport photos, and guarantor profile leaves for assessment.

03

Assessment & Verification

Our credit risk team evaluates your cashflow record. Pledged collateral and guarantor cheques are verified at our branch.

04

Instant Disbursement

Once approved, the funds are instantly released into your bank account. Repayment terms begin on the selected schedule.

Got Questions?

Borrower FAQs

Quick answers to help you navigate our loan framework.

What is Quick Finance (Auto Loan)?

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What type of collateral is required to access this loan?

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Do you keep the collateral asset during the loan period?

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How much can I borrow under the Quick Finance (Auto Loan) scheme?

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What is the loan duration?

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What is the interest rate?

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How long does it take to process the loan?

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What documents do I need to apply?

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