Live Application Lookup
Track Your Loan Application
Enter your Reference ID (e.g. BHS-749201) or your registered Nigerian Phone Number to check real-time underwriting progress and disbursement timeline.
Transparent Underwriting
What Happens After You Apply?
We believe in fast, stress-free lending with zero secret delays.
1. Instant Digital Logging
Your application is ingested in seconds into our Staff Underwriting Portal and assigned to a credit officer.
2. Fast BVN & KYC Check
We verify your identity securely with zero credit score damage and confirm employer / business details.
3. Direct NIP Bank Credit
Upon final sign-off, funds are credited straight to your bank account with flexible repayment terms.