Quick access to funds saved my child's life and brought joy to our family. ”
— Satisfied Customer
The loan ensured my daughter stayed in school when we couldn't afford her fees. ”
— Grateful Parent
Thanks to Micro-Ventures financing, I now own a small business which has trippled my income and helped me save. ”
— Empowered Worker
The funds helped keep food on our table during tough times, easing our burden. ”
— Relieved Family
Boosting Income Levels and Bridging Financial Gaps.
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Loans that address urgent needs like:
Healthcare, education, food and personal expenses.
The focus here is on flexibility and accessibility.
Empowering workers to:
Start small-scale ventures.
Build extra income streams.
Break free from the trap of predatory lenders and income poverty.
A digital platform for:
Entrepreneurial capacity building and training.
Exchange of knowledge and experience.
A marketplace to connect micro-ventures and users of our revolving credit lines.
Our purpose is to empower African Workers to boost their income, bridge financial gaps, escape the vicious cycle of debt, and overcome income poverty-one story at a time.
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McMichael Ogbadu
CO-FOUNDER / CEO
Chidozie Mbah
CO-FOUNDER / CTO
Sola Bankole
CO-FOUNDER / COO
United by experience and synergy, we drive solutions to break the cycle of income poverty and debt for African workers.
We proudly align with SDGs, extending our impact beyond finance to build resilient, inclusive, and prosperous worker communities across Africa. Through responsible lending, we empower lives, bridging the gap between needs and opportunities—one person, one story, one future at a time.
Check out our media stories, videos and articles.
Set out on the path to freedom with easy access to credit as well as financing for your small side-business ideas.
“
My salary wasn’t enough, and I was stuck borrowing from loan apps just to get by. Paylater Hub’s micro-venture financing allowed me to start a small scale bakery, and now I no longer rely on loans. I’ve found financial freedom and peace of mind.”
— Oluwaseun, Ibadan, Nigeria
“
As a civil servant, my salary couldn’t cover my expenses, and I was trapped in a cycle of loan apps and constant debt. Thanks to Paylater Hub’s micro-venture financing, I started a fish farming business. Now, I’ve escaped the debt trap, have extra income, and finally feel in control of my finances.”
— Obed, Ajaokuta, Nigeria
“
I used to struggle to pay my children's school fees, with them being sent home for weeks at a time. Thanks to Paylater Hub’s revolving credit line, I got the money I needed, and they’re back in school without any stress. Plus, with their micro-venture financing, I’ve started a small provision store. I’m confident that by next term, I won’t need to borrow money for school fees anymore.”
— Okafor, Lagos, Nigeria
“
When my child suddenly fell ill, I didn’t know how I would cover the medical bills. Paylater Hub’s revolving credit line gave me the money I needed immediately to get him treated without any hassle. I’m so grateful for the support during such a difficult time.”
— Fatimah, Kaduna, Nigeria
Boosting income for African workers with revolving credit lines and micro-ventures financing.
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