Want to lend to SMEs?

Launch a digital SME loan product and give small business customers a decision within minutes. Get access to a custom lending management system to monitor your portfolio’s performance.

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Trusted by top lenders across Africa

Build customer loyalty today

With the rise of fintechs, SMEs have more options. They want to bank and take loans from their smartphones. With Oze, you can compete and win. Our customizable lending management system allows you to create an automated digital loan product seamlessly integrated with your other offerings.

Bespoke solutions
Automation

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Run your SME loan book better with Oze

Unlock tools that will increase loan book profitability.

Lend to SMEs saving with you, finally

Oze’s alternative credit scoring algorithm alerts you to good borrowers on your books without the need for an audit or collateral. Start building customer loyalty.

Access more creditworthy SMEs

Our small businesses have a history of good financial record keeping and are growth-oriented. With a business coach, you’re not alone in the repayment process.

Reduce NPLs of your loan portfolio

Oze’s models are better at detecting risk and fraud than traditional methods. Deploy your capital to businesses that are willing and able to repay it.

Save costs with automation

What several people used to do in a week can now be done by a computer in seconds. Stop spending your time manually reviewing financial statements.

Get real-time portfolio analytics

Our intuitive loans management system allows you to see the metrics that are important to you without having to do endless calculations in Excel.

Get started with no upfront cost

No expensive integration fees. We make money when you make money.

98%

of customers say they trust Oze with their financial information.
(Oze 2022 Customer Survey)

Security for your organization and your customers

At Oze, we take security seriously while adopting international standards for data privacy and security.

Our ISO 27001 certification means we’ve implemented business practices and processes including a robust business continuity plan to ensure our customers and your customers can work with us with confidence.

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Features that grow your bottom line and save you time

Digital loan applications

Get complete loan applications from your customers, digitally! No more manual data entry.

Credit score

Harness the power of machine learning to score your customers and reduce NPLs.

Disbursement

Do more loans with digital approval and automatic disbursement for approved credit scores.

Portfolio analytics

Monitor performance at a glance from NPLs to total disbursements to individual customer repayment history.

Collections

Send automated repayment reminders and set-up auto-deduction so you can collect more!

"Almost every business was hit in the jaw by the coronavirus pandemic… in fact it devastated my 2020 business plan, until one day I saw Oze's loan offer for enterpreneurs. I can't define the kind of feeling upon seeing the loan offer. ?? I was like "hipiii" Oze to the rescue. ??The flexibility of terms and low interest got me sigend on so quick. "Cabum" ?? I received the cash within a few days. I sounded like an ambulance ?? when I saw the message because it's obvious it doesn't work like that in my country. Wow wow wow wow wow was the only thing I heard myself saying after."

~ Emmanuel , Owner of Ifok Handmade Limited