STR Investment Services Limited
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About STR Investment

STR Investment:
trusted microcredit in Nigeria

Responsible credit for individuals and SMEs, with clear requirements and flexible repayment options.

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Personal loan

Blue-chip employee financing

Unsecured personal credit for verified staff with flexible tenors up to 12 months, payroll-friendly repayments, and clear fees.

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SME term loan

Working capital for real growth

Short-term business financing for stock and operations, assessed on turnover and cash flow, with repayment structures built around your business cycle.

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Back to school

Support when school resumes

Cover fees, books, and essentials with repayment aligned to school terms and your income, plus quick review when your documents are complete.

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Why Choose STR Investment?

Fast decisions. Responsible lending.

Quick Processing
Streamlined checks and clear requirements.
Flexible Tenor
Repayments aligned to cash-flow and salary cycles.
Transparent Fees
Clear pricing structure — no surprises.
SME Support
Working capital structured around turnover reality.

Testimonials

What clients say about clarity, speed, and support.

“Fast, clear process. I understood the requirements and repayment from day one.”
Applicant
Personal loan
“The team guided me through the documents and disbursement was timely.”
Business owner
SME term loan
“Back‑to‑school support helped us settle fees without stress. Smooth repayment plan.”
Parent
School support

Quick, Reliable, and Affordable Access to Credit

Explore products designed for salaries, school, and business growth.

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Personal Loan (Blue‑Chip Employee Loan)

Unsecured short‑to‑medium term loan for verified staff of reputable employers, with a fixed monthly repayment schedule and flexible tenor up to 12 months.

Term Loan (Business Loan)

Short‑term working capital for SMEs (3–6 months) with flexible collateral options (movable or guarantor‑backed), assessed on turnover and cash‑flow.

Welcome Back to School Loan

Short‑term education support for parents/guardians covering fees and essentials, with repayment structured around school terms (1–4 months).

Salary Advance Loan

Short‑tenor support for salaried workers before payday (15–30 days), typically disbursed within 24–48 hours after approval with automatic repayment from salary.

OUR APPROACH

Bridging the financing gap with accessible microcredit.

We’re built to bridge the financing gap with timely, flexible microcredit—guided by risk-aware assessment and customer-first support.

Speed
Streamlined verification and quick turnarounds.
Transparency
Clear requirements, fees, and repayment expectations.
Customer‑first
Guidance from application to repayment.
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Bridging the Credit Gap - Rethinking SME Financing

Frequently Asked Questions

Salaried workers, parents/guardians, and small and medium business owners can apply, depending on the product requirements and assessment.
Some products are unsecured, while others may require a guarantor or collateral depending on the product type and assessment.
Typical documents include valid ID, bank statement (3–6 months), proof of income or business activity, and product-specific requirements such as payslips, employer verification, school fee invoice, or business registration.
Timelines depend on verification and completeness of documents. Salary advance loans are typically processed quickly after approval (often within 24–48 hours), while other products may take longer based on assessment.
Repayments are structured around salary dates or business cash-flow. Typical tenors include salary advance (15–30 days), back to school (1–4 months), term loan for SMEs (3–6 months), and personal loans (3–12 months).

Ready to empower your financial future?

Tell us what you need and we’ll guide you to the right product and requirements.

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