Personal LoansLife moments funded

SME LoansBuilt for business

Salary AdvancePayday, covered

Invoice DiscountingUnlock invoices faster

Working CapitalWorking capital that keeps pace

Equipment LeasingEquipment without strain

Asset FinanceMachines that earn

Business AdvisoryGuidance first

Forelad Financial Services

Financing your tomorrow, today.

Fair, clearly priced financing for salary earners and businesses across Nigeria. Terms you can read in one sitting.

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Registered Nigerian finance company · RC 9686107

01What we offer

Built around your plans.

Loans and advisory for individuals and businesses, clear, fairly priced, and explained in plain language. Pick what fits, or ask us and we'll point you right.

SME LoansBuilt for businessGrowth funds for stock, orders, expansion, or the next business move.Learn more →

Salary AdvancePayday, covered

Personal LoansLife moments funded

Working CapitalWorking capital that keeps pacePractical support for orders, inventory, and day-to-day cash flow.Learn more →

Equipment LeasingEquipment without strain

Invoice DiscountingUnlock invoices faster

AdvisoryGuidance before capitalAdvice on structure, repayment, and the right fit before you commit.Learn more →

02Why Forelad

Borrowing with total clarity.

An offer you can read

Amount, rate, schedule and total cost on one page, before you sign. What we quote is what you pay.

Fast, honest decisions

Reviewed by real people and answered in 24–48 hours. If it's a no, you'll know why.

Early repayment welcome

Pay down ahead of schedule without penalties designed to trap you.

Your offer letter Clear terms

What you asked forYour amount

RateFixed, quoted upfront

RepaymentA schedule you choose

Extra or hidden feesNone

Illustrative. Your real offer depends on assessment, and every figure appears in writing before you sign.

03How it works

A simple path to funded.

Apply

Send a short enquiry online. Five minutes, no paperwork mountain.

Review

Real people assess your request and respond within 24–48 hours.

Approved

A clear offer: amount, rate, schedule, total cost. No fine-print surprises.

Funded

Money lands in your account, and the team stays reachable throughout.

04What clients say

Clear financing, explained by real people.

The terms were exactly as explained, no surprises. I had funds for new stock within days, and the schedule fit my cash flow.

Chinelo OkaforFashion retailer, Lagos

What I valued most was the honesty. They walked me through every fee before I signed, then followed up after disbursement.

Emeka BalogunLogistics operator, Abuja

I needed equipment without draining cash from the business. Forelad structured it in a way I could actually keep up with.

Aisha BelloSalon owner, Lagos

The advisory conversation helped me choose a smaller facility than I first requested. That saved the business unnecessary pressure.

Tunde NwachukwuFood distributor, Port Harcourt

They treated the invoice discounting like a real business conversation, not just forms. The turnaround helped us meet payroll on time.

Mariam NwosuProcurement lead, Lagos

05Questions

Good questions, honest answers.

Most enquiries get a decision within 24 to 48 hours. A real person reviews your request and comes back to you either way, with reasons.

It depends on the product and amount. Some facilities are unsecured, others are asset-backed. We tell you exactly what is needed before you commit to anything.

Every fee appears in writing before you sign, alongside the rate, the schedule and the total cost. There are no charges that appear later.

See all FAQs →

Ready to move forward?

Send a short enquiry, name, amount, and what it's for. A decision follows within 24–48 hours.

Apply for a loan → Explore loans