Breaking down the 3 R’s of credit and why they still matter
The 3 R’s come in. Returns, Repayment capacity, and Risk-bearing ability shift the focus from merely assessing trustworthiness to examining the business as an investment opportunity.
We built Kolo to help you tame your bank accounts
The average Nigerian today has about three bank accounts, and most often than not, being able to see all bank balances across means juggling through bank apps, SMS alerts, email notifications. And when things go really bad, you start digging through pages of bank statements. Yet, even with these, it’s difficult to find everything. It’s […]
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.


