Apply
Branded apply link per lender. Borrower fills name, BVN, NIN, face capture, ID upload. Stored in Cloud Storage under admin-only rules.
The naira loan management platform for Nigerian lenders
Verify a borrower’s BVN in eight seconds.
Settle the loan to any Nigerian bank in thirty.
Built on
Flutterwave
Dojah
Firebase
Resend
Disburses to every Nigerian bank via Flutterwave
Wema
Sterling
Kuda
Moniepoint
Opay
GTB
UBA
Access
The lending lifecycle
From application to settled repayment, one workspace
Every screen YT Finance ships maps to a real money event. No demo data. No simulated screens.
Verify
Dojah checks BVN and NIN. Face match against the captured selfie. KYC queue surfaces every borrower for admin approval before any money moves.
Disburse
Lender requests an OTP. Resend emails a single-use code. Enter it once to authorise a Flutterwave Transfer to the borrower’s bank account.
Collect
Borrower repays via dedicated Flutterwave virtual account or hosted checkout. Each credit lands on the ledger with a deterministic ID, no double-counting.
Settle
Withdraw to your NGN bank account, capped at ₦10M per 24h, OTP-gated. Treasury reconciles wallet totals across every lender on the platform.
By the numbers
The specifics
Numbers from the live product, not aspirational targets.
8s
Dojah BVN verify
30s
Flutterwave settle
30+
Nigerian banks
3
Loan cap per borrower
Why YT Finance
What you get that other platforms skip
OTP-gated disbursement
Every transfer requires a fresh code from your email. The OTP authorises one disbursement only — we burn it on use, even if Flutterwave returns an error.
Idempotent ledger
Every wallet operation is anchored on a deterministic document ID. Retries are safe. A network blip never debits your wallet twice.
Heartbeat sentinel
A scheduled function scans every five minutes, replays failed Flutterwave operations, and surfaces silent failures on the admin Incidents page before you notice.
Authoritative server math
A borrower cannot underpay by mutating client-side totals. Repayment amounts are computed on Netlify Functions against the Firestore-locked loan document.
Who lends on YT Finance
Built for one-person lenders and small teams
Personal loan books
You lend to friends, family, market traders, your church group. Stop tracking it in a notebook.
Cooperatives
Run member loans with a real KYC queue, an audit log, and OTP-gated settlement to each member’s bank.
Boutique microfinance
Configure loan products with flat-interest, tenor, min/max amount, and per-loan fee. Disburse to any Nigerian bank.
Salary advance desks
Up to three concurrent loans per borrower, transactionally locked. Virtual account collection on each repayment.
Why this exists
I built YT Finance for my own loan book first. Then friends asked. Then they kept asking. It runs the money path I trust with my own naira.
Stephen Bankole · Founder, Lagos
Lending infrastructure, naira-native
Sign up, configure a loan product in five minutes, run KYC on your first borrower, and settle the disbursement the same afternoon. No card. No call. No code.