Lending infrastructure · Nigeria 尼日利亚助贷基础设施

Help local lenders grow. 助力本土微贷机构 成长。

Aggregator, co-lending and BNPL — one desk, all the rails. 助贷聚合、联合放贷、BNPL——一站式底层基础设施。

Capital + co-lending资金 + 联合放贷 Origination at scale规模化获客 Licensed partner network持牌伙伴网络

This Quarter 本季度 LIVE实时

Loans disbursed累计放款
2.4B
Lender partners合作机构
12+
On-time按时还款率
96.2%
BNPL usersBNPL 用户
38k
Avg ticket平均单笔
₦185k
Partner with Us 成为合作伙伴
Licenses 牌照
BDC · former license前持牌 PSP · acquisition in progress并购进行中 IMTO · leased租用中
Services业务

Three products. One stack. 三大产品,一套底层

Loan Aggregator助贷聚合

Route borrowers to the best-fit licensed lender — by ticket, tenor, risk. 按金额、期限、风险,将借款人匹配到最合适的持牌机构。

Become a lender →成为放款方 →

Co-lending联合放贷

We put capital alongside yours. Shared risk, shared book. 我们和你共同出资,共担风险,共享资产组合。

Open a line →建立额度 →

BNPL先买后付(BNPL)

Our own consumer product. Merchant + distribution partnerships welcome. 我们自研的 BNPL 产品。欢迎商户与渠道合作。

Partner with us →成为合作伙伴 →
For Lenders合作伙伴

Why micro-lenders partner with us. 为什么微贷机构选择我们

01

Origination volume获客与发起量

Borrower funnel from aggregator + BNPL.来自聚合与 BNPL 的借款人漏斗。

02

Capital alongside同步投入资金

We co-lend, not just refer.我们联合放贷,不仅仅推荐。

03

Tech stack技术栈

KYC, scoring, disbursement, collection.KYC、风控评分、放款、催收。

04

Compliance shield合规屏障

Licensed-partner network behind every flow.每一笔资金均经持牌伙伴网络。

How It Works操作流程

Four steps. 四步完成

1

Reach out联系我们

Tell us your book and capital plan.告诉我们你的产品与资金计划。

2

Onboarding尽调上线

KYB, license review, risk alignment.KYB、牌照核验、风险对齐。

3

Go live正式放款

Capital + flow + tech integrated.资金、流量、技术全部对接到位。

4

Scale规模扩张

Iterate pricing, products, risk.迭代定价、产品、风险策略。

2.4B+
Disbursed this quarter本季度累计放款
12+
Lender partners合作机构
96.2%
On-time repayment按时还款率
38k+
BNPL usersBNPL 用户
FAQ常见问题

Quick answers. 常见问题

Who can partner with sco?谁可以与 sco 合作?
Licensed micro-lenders, MFBs, fintechs with a credit book, and merchants for BNPL distribution. 持牌微贷机构、MFB、有信贷资产的金融科技公司,以及希望接入 BNPL 的商户。
Do you put capital in?你们是否实际出资?
Yes — co-lending means we fund alongside our partners on agreed risk-sharing terms. 是的——联合放贷模式下,我们按约定的风险分担条款与合作伙伴共同出资。
What tech do you provide?提供哪些技术?
KYC / KYB, credit scoring, disbursement rails, repayment & collection workflows. API-first. KYC / KYB、信用评分、放款通道、还款与催收工作流。API 优先。
Where does origination come from?借款人从哪里来?
Aggregator funnel + our BNPL user base + merchant distribution partners. 助贷聚合漏斗 + BNPL 自有用户 + 商户分发合作伙伴。
What about FX?FX 换汇业务呢?
Still active. Licensed cross-border settlement — see /fx. 业务仍在运营,持牌跨境结算服务详见 /fx
Contact联系

Let's build a lending book together. 一起做大本地信贷资产