Frequently Asked Questions on guarantor-based lending models
The following frequently asked questions address the most important aspects of guarantor-based lending from a lender’s perspective.
What rising NPLs actually cost a lending business beyond the obvious
Explore the deeper cost structure behind rising NPLs and why lenders pay attention to them long before they dominate financial reports.
Why your loan default rate is high and five data points you’re ignoring
Many lenders blame late payments on “bad borrowers,” but the real problem is often hidden in the data they overlook. This article explains why your default rate is higher than it should be and highlights five powerful data points, often ignored by lenders that can dramatically improve underwriting accuracy, borrower monitoring, and repayment performance.
Frequently asked questions on starting a lending business in Nigeria
Starting a lending business in Nigeria offers big opportunities, but many founders struggle with regulations, setup steps, and risk management. This FAQ-style guide answers the most common questions, from licensing and CAC registration to choosing a lending model and handling collections, so you can launch your lending business with confidence.
How to use psychological triggers in your debt collection messages
This article breaks down how to apply specific psychological triggers in your debt collection messages in a way that increases voluntary repayment and preserves long-term customer relationships.
How to score a freelancer who doesn’t have a traditional payslip
This article walks through how to score a freelancer without a traditional payslip. The goal is practical underwriting clarity.
How to spot fake identities before you disburse a loan
This article walks through the mechanics of fake identity fraud, early warning signals, and practical verification measures that lenders across Africa can deploy immediately.
Does Android still allow lenders to scrap SMS from phones for scoring?
The question lenders now ask is simple: does Android still allow loan apps to scrape SMS from users’ phones for credit scoring?
5 Profitable lending niches for lenders in 2026
The lending world is changing fast in 2026, and the most profitable opportunities now lie in specialized niches rather than traditional loan products. Demand is rising for focused, high-margin lending segments driven by new consumer needs, digital business models, and smarter risk assessment. In this article, we highlight five profitable lending niches that offer strong growth potential, less competition, and better returns.
What to consider before expanding your lending product to a new market
This article walks through the real questions lenders should be asking before taking a lending product into a new market.
How to fix common causes of delinquency in your lending portfolio
Loan delinquency is one of those issues every lender plans for, budgets around, and still worries about. It shows up at first as a few missed repayments here and there, then starts to spread across segments if it is not addressed early.
