Moniepoint Group has disbursed over ₦1 trillion in loans to approximately 70,000 Nigerian businesses throughout 2025, according to the company’s 2025 Year in Review report released in late January 2026.
This milestone underscores the effectiveness of data-driven credit models in addressing the financing gap for micro, small, and informal enterprises that often lack collateral or formal documentation required by traditional banks.
Moniepoint leverages real-time point-of-sale (POS) activity and transaction data from its payments platform to evaluate cash flow patterns, business turnover, and repayment capacity.
This approach enables more precise risk assessment compared to conventional credit scoring, facilitating responsible expansion of credit to underserved segments.
Data-Driven Risk Assessment and Lending Mechanics
Moniepoint’s lending programme relies on proprietary visibility into merchants’ daily operations through its extensive POS network.
By analysing transaction histories, payment behaviours, and business patterns, the platform generates alternative credit insights that reflect actual economic activity rather than static financial statements.
This method proves particularly effective for informal and semi-formal businesses where traditional banks perceive higher risk due to limited formal records.
The result is tailored working capital loans, with an average size of approximately ₦14.3 million, focused on supporting meaningful operational growth rather than small-scale microfinancing.
Measurable Impact on Business Performance
Recipients of Moniepoint loans reported an average 36% increase in transaction value following credit disbursement, indicating improved sales, inventory replenishment, and overall business expansion.
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This growth metric highlights the productive use of capital in liquidity-constrained environments and validates the accuracy of Moniepoint’s risk models.
The lending initiative integrates seamlessly with Moniepoint’s broader ecosystem, where its Microfinance Bank subsidiary, upgraded to a National Microfinance Bank licence in 2025, enables nationwide operations and expanded financial services.
Nigeria’s Fintech and SME Financing Landscape
In 2025, Moniepoint processed ₦412 trillion in transaction value across more than 14 billion transactions, establishing dominance in Nigeria’s retail payments space by powering approximately 80% of in-person POS transactions.
This scale provided the robust data foundation necessary to extend credit responsibly to over 6 million active businesses on the platform.
The achievement reflects a broader fintech trend in Nigeria, where platforms with granular transaction visibility are bridging the SME credit gap amid constrained traditional bank lending.
By transforming POS terminals into strategic data sources, Moniepoint demonstrates how integrated payments and lending can drive inclusive economic growth.
Looking Ahead
Moniepoint’s disbursement of over ₦1 trillion in loans during 2025 exemplifies the transformative potential of POS and cash flow data in SME financing.
Through precise, real-time risk evaluation, the company has empowered tens of thousands of informal businesses with accessible capital, resulting in tangible operational improvements and broader financial inclusion.
As of January 30, 2026, this milestone reinforces Moniepoint’s position as a leading force in Nigeria’s evolving digital financial ecosystem. For detailed insights, refer to Moniepoint’s official 2025 Year in Review report.
Moniepoint Overview
Moniepoint is a Nigerian fintech and banking group anchored by Moniepoint Microfinance Bank, fully licensed by the Central Bank of Nigeria and offering digital banking and payments to millions of customers and small businesses.
Moniepoint login typically refers to accessing your account dashboard or agent portal for personal or business banking services, including transfers and account management. Business users often log in through Moniepoint’s dedicated web portal or the mobile banking app.
Moniepoint business login and Moniepoint business banking are provided through the Moniepoint Business Banking app, which lets businesses open accounts, send and receive money, buy airtime, pay bills, request Moniepoint POS terminals, and manage expenses and loans.
Moniepoint also operates a large Moniepoint POS ecosystem where merchants accept payments and manage transactions from their business accounts.
Although Moniepoint UK and related remittance services have been launched under its UK subsidiary (e.g., MonieWorld for transfers from the UK to Nigeria), the core banking and fintech operations remain centred in Nigeria.
For support, users can contact the customer care team at +234 201 888 9990 or via email at support@moniepoint.com for help with login, accounts, and banking issues.
Moniepoint offers both Moniepoint personal and business banking solutions through its mobile platforms, supporting seamless digital financial services in Nigeria and expanding into new markets.
Ronnie Paul is a seasoned writer and analyst with a prolific portfolio of over 1,000 published articles, specialising in fintech, cryptocurrency, climate change, and digital finance at Africa Digest News.
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