Grow your POS
business with Moni

Access up to ₦3 million in 3 minutes.
Insure your business against risk.

Join a cluster

Moni Float

Never run out of cash;
Make more money.

Get instant weekly loans for your POS business at the lowest interest rates.

How it works
Google playApp store
Moni float image

Moni Insure

Moni insure image

Protect your POS business
with pocket-sized insurance

Insure your business against accidents, theft and fraud on every loan you take on Moni.

How it works

Float-as-a-Service

Risk Engine + Debt Funding designed for your business

Never run out of liquidity. We'll worry about float, you focus on growing your agent network.

How it works
Float as a service image

Find Moni in these countries

Nigeria

Benin Republic

Guinea

Cameroon

Ghana

Loved by all

“Its one thing to get a loan, its another thing to get loan with minimal interest that allows you to keep huge chuck of your profits and insurance that secures your money, this is why I'm vouching for Moni”

mceudoz venture

“I started with moni last year and  I have no regrets doing business with them. Their reps are so activate, always ready to listen, securing agent money via insurance, instant crediting, & minimal interest rate”

Salawudeen Saheed

“I am one of moneyloan beneficiary. I have been enjoying loan facility for the past 5months now and they have been helping and supporting my business. I am saying a big thank  to the company”

Tiamiyu Muftau Shola

Loved By All

“Its one thing to get a loan, its another thing to get loan with minimal interest that allows you to keep a huge chunk of your profits. There is also insurance that secures the float for running your Business, this is why I'm vouching for Moni”

mceudoz venture

“I started with moni last year and I have no regrets doing business with them. Their reps are so activate, always ready to listen, securing agent money via insurance, instant crediting, & minimal interest rate”

Salawudeen Saheed

“I am one of moneyloan beneficiary. I have been enjoying loan facility for the past 5months now and they have been helping and supporting my business. I am saying a big thank to the company”

Tiamiyu Muftau Shola

“I am one of moneyloan beneficiary. I have been enjoying loan facility for the past 5months now and they have been helping and supporting my business. I am saying a big thank to the company”

Tiamiyu Muftau Shola

Meet Our Partners

Frequently asked questions

What's Moni?
How do I get a loan from Moni?
How long does it take to be approved for a loan?
What are Clusters?
Joining Moni

What's Moni?

Moni is a suite of financial products for Mobile money agents powered by social trust. Unlike traditional financial institutions, we do not require traditional collateral upfront to provide you with a loan. With us, the required collateral is people in your community, who know and trust you and can put in a good word for you.

How do I get a loan from Moni?

  • Download the app by searching for Moni on the Google play store. The Moni app is also coming to iOS soon.
  • Join a Cluster. To join, get a cluster code from any of our growing number of Cluster Heads in the country you're resident in and in which the Moni App is available.

How long does it take to be approved for a loan?

Once you complete our initial verification process, applying for a new float on Moni takes less than 3 minutes.

What are Clusters?

Clusters are communities of 5 - 40 POS agents.

How much interest does Moni charge on loans?

Loans are offered at flexible interest rates that's the most competitive in the market.  If an agent in a cluster defaults on their payment, this affects the loan eligibility of other agents in the cluster.

Joining Moni

It's easy to get started on Moni! Join any one of our exclusive Communities around you!

In the event that you're unable to locate a Moni Community around you, join the waitlist and we'll connect you to the nearest Moni Community to you.

Hey, you want to Moni?

Moni was created for you!
Our currency here is trust and for you to join our community, you need a recommendation from an existing Moni user near you. Leave your information with us if you haven’t found a cluster near you and you’ll get notified when we have found the right one for you.

We will reach out to you soon. Thank you!
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