You, a small/micro business owner, apply for a loan using the OYA app (launching soon), or by calling the OYA call center.
Your OYA representative dispatches your regional Relationship Development Officer (RDO) team to your physical store location to provide feedback, pictures, and a store review.
The credit review team assesses your loan application and the RDO team’s store review, and approves.
Your loans are disbursed via mobile money, and your loan repayments are also processed via mobile money.
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
Get your funding within 48 hours
Our relationship officers stay engaged with customers to ensure loan repayment
We keep our interest rates flexible and affordable
Use our app (launching soon) and Mobile Money to get paid, and to pay us back
Through our proprietary credit scoring system, we serve as a credible reference for your creditworthiness