united capital

    • About Us

      United Capital Plc is a leading pan-African financial services institution focused on leveraging technology to empower businesses, individuals and governments with excellent financial services

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    • Our Services

      Asset Management
      Wealth management
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      Investment Banking
      UCEE Microfinance Bank
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      We seek to create value for investors across a wide financial spectrum.

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      Explore our Knowledge Center to access mutual fund fact sheets, read expert insights on our blog, and stay informed with the latest press releases and market updates.

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  • Offers
InvestNow
united capital
consumer finance

What We Provide

We offer tailored lending solutions that help individuals and investors unlock liquidity, grow portfolios, or meet personal/business financial needs, without undue delays or opaque terms. Our products are designed to suit different risk profiles, leveraging acceptable collateral or existing investments when needed. 

Our Service Suite

Asset Backed Loans

The Asset-Backed Loan is a credit facility secured by a one’s investment portfolio, such as money market instruments, bonds, or Eurobonds. It grants access cash without liquidating their investments.

Features of the Asset Backed Loan:
  1. Short to medium-term loan.
  2. Loan amount is based on the value of eligible investments (up to 95% of the investment value for most instruments).
  3. Eligible instruments include Treasury Bills, Eurobonds, Money Market Instruments, and select equities.

UC Invest

UC Invest provides funding to those who wish to buy more shares in the stock market but lack sufficient capital. It allows investors to leverage their existing funds or portfolios to buy more shares and maximize returns.

Features of UC Invest:
  • Clients provide a certain percentage of the investment, and we finance the balance.
  • The purchased shares serve as collateral.
  • Loan amount determined by market value of acceptable shares and approved margin limits.
  • Available for both new and existing investors.

UC Easy Invest

UC Easy Invest helps individuals start or grow their investment portfolio even when they don’t have the full capital. Customers contribute part of the amount, and we provide the balance, which is invested in money market instruments.

Key Features:
  • Customers provide a portion of their target investment, and we finance the balance.
  • Investment is held as collateral until repayment.
  • Facility used to invest in money market instruments.

Dividend Loan

The Dividend Loan allows shareholders to access the cash value of their declared dividends before the official payout date. The loan amount is determined by the value of dividends declared for eligible shares. It allows early access to your funds to meet urgent personal or business needs without waiting for dividend payment dates.

Key Features:
  • Access up to 100% of dividend payout before disbursement.
  • Requires valid BVN, bank account, and CHN (where applicable).
  • Dividends must be unencumbered and verifiable through the registrar.
  • Loan amount determined by value of declared dividend and approved shares.

KashNow

KashNow is a digital loan product that is committed to delivering efficient, alternative lending solutions tailored to you.


Get profiled and apply for a quick loan by dialing *5077# today.

Apply Now

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