How it Works
With OYA, the process is simple
You Apply
You, a small/micro business owner, apply for a loan using the OYA app (launching soon), or by calling the OYA call center.
We Assess
Your OYA representative dispatches your regional Relationship Development Officer (RDO) team to your physical store location to provide feedback, pictures, and a store review.
We Approve
The credit review team assesses your loan application and the RDO team’s store review, and approves.
You Get Paid
Your loans are disbursed via mobile money, and your loan repayments are also processed via mobile money.
We Stay in Touch
RDOs maintain consistent communication with you during and after the life of your loan to ensure that OYA provides all the resources necessary to keep your business growing
With OYA, you’ll avoid the usual financing challenges
Fast and convenient
Get your funding within 48 hours
No collateral required
Our relationship officers stay engaged with customers to ensure loan repayment
Competitive rates
We keep our interest rates flexible and affordable
Seamless and flexible repayment
Use our app (launching soon) and Mobile Money to get paid, and to pay us back
Build your financial track record
Through our proprietary credit scoring system, we serve as a credible reference for your creditworthiness