Eligibility
Clear requirements. Fair assessment.
STR Investment (February 2026) offers salary advance, personal, school, and business loans. Each product has its own checks — below is what we usually ask; your final list follows verification.
Who we are
A private limited company bridging financing gaps for individuals, SMEs, and underserved communities. Led by an experienced former banker (20+ years) and a team grounded in risk management, excellence, integrity, and customer satisfaction — combining sound practice with practical products.
How eligibility works
Three steps — fast where documents are complete, never sloppy on fit.
Product eligibility & pricing
Indicative fees — confirmed on your offer before you accept: 4–8% / month (reducing), 0.5% processing, 0.5% management, plus 1% insurance on products that include it.
Personal loan (blue-chip employee)
Staff at established employers
Unsecured · up to 12 months · payroll-friendly repayment.
Usually need
- Employment ID, 3 payslips, employer letter
- National ID, proof of address, 6-month bank statement
- Guarantor, completed application
4–8%
Monthly · reducing
0.5%
Processing
0.5%
Management
3–12 mo
Tenor
+ 1% insurance
Back to school
Parents / guardians
School fees, books, uniforms · pay to school or you · term-friendly repayment.
Usually need
- Enrollment or fee invoice
- Guardian ID, 3–6 month statement
- Income proof; guarantor if required
4–8%
Monthly · reducing
0.5%
Processing
0.5%
Management
1–4 mo
Tenor
+ 1% insurance
Term loan (business)
SME owners · working capital
3–6 months · stock & operations · guarantor or collateral as agreed.
Usually need
- Registration or trade evidence
- ~6 months bank / sales records
- Application, photo, ID, business address
- Guarantor or collateral if needed
4–8%
Monthly · reducing
0.5%
Processing
0.5%
Management
3–6 mo
Tenor
+ 1% insurance
Salary advance
Salaried staff · before payday
15–30 days (or to next salary) · often disbursed in 24–48h · % of salary · via payroll.
Usually need
- Employment letter or staff ID, 3 payslips
- Statement (3–6 mo) with salary inflow
- Valid ID, BVN, application
- Employer confirmation for deduction
4–8%
Monthly · reducing
0.5%
Processing
0.5%
Management
15–30 d
Tenor
No default insurance — only if your offer says so
Ready to apply?
We’ll confirm product fit and the exact documents for your case.