Pennee: Grow Your Business

Simple financing built for modern Businesses like yours.

We provide fast and flexible loans up to 1,500,000 Naira with interest rates ranging between 2% to 4% monthly in assets financing and overdrafts so small business owners can invest in growth, buy the item they need right now and pay over time. You dont need to own collateral, know a bank manager or be a finance guru. If you own a business, its enough for us.

With Pennee, you can
- Get fast and flexible loans up to 1,500,000 Naira.
- Invest in growth, understand your cash flow and enjoy the ride.
- Buy the item you need right now and pay over time.
- Stay ahead of your cash flow, keep your business running.
- Track, budget, and predict the inflow and outflow of money in your business.

Asset Financing
- Buy the item you need right now and pay over time.
- Interest rate between 2% to 4% monthly
- Get points for paying on schedule
- Pay in weekly or monthly bits to make it easy
- Maturity period as long as 12 months
- Get a discount for early repayments

Overdrafts
- Stay ahead of your cash flow. Keep your business running.
- No processing fee for drafts less than 20,000 naira
- 2% to 4% monthly interest rate.
- Pay from a percentage of your income
- Up to 60 days repayment timeline
- Pay bills, run digital ads, and dont skip salary payments


Inventory Financing
- Never disappoint customers. Always have stock for sale.
- 2% to 4% interest rate
- Daily repayment from inventory sales.
- Up to 120 days maturity period in 15-day milestones.
- Get a discount for early repayment
- Get points for reaching milestones

Cash flow management
- Track, budget, and predict the inflow and outflow of money in your business
- View your cash flow across all banks and wallets
- Sort & track your expenses across board
- Project sales and predict cash flow
- Budget your expenses
- Get alerts & reports

With Pennee, you get access to enjoy different tools tailored to help you build your business.
One platform, one partner, different complementary services that help you document your process, manage your data in a way that makes decision-making easy for you and provide asset financing at different stages of your business to simplify your growth process. We believe that small businesses deserve a chance and we commit to doing everything we can to be there for them, every step of the way.

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