Planned eligibility grows from real orders, payments, and account flows already sitting on the Klovo ledger — not a stack of bank statements.
Sales-based offers
Credit built on real sales — not a loan form.
Working capital is a scaffold today: no application is live. Eligibility is designed to grow from a business's own orders, payments, and account history. Join the waitlist to hear when it opens.
Coming soon
There is no application, offer, or credit line today — this is a scaffold. When working capital launches, credit will be extended by licensed lending partners. Klovo is a financial technology company, not a bank. Banking services are provided by partner banks duly licensed by the CBN.
How it's designed
Sales-based eligibility, not paperwork.
Planned repayments would be collected from account inflows, with full visibility for the merchant at every step.
Automatic repayment
Limits, affordability checks, and fraud monitoring stay server-side and are enforced by licensed partners, never the client.
Risk controls
Start today
Build the sales history working capital will run on.
Every order and payment on Klovo today becomes part of tomorrow's eligibility picture.