Our Products

Financing for Small Businesses

CitiHoms Finance Company is committed to helping small businesses achieve their financial and operational goals by offering tailored credit solutions. In addition to providing the right loan products, we offer expert financial advisory services from a team of dedicated professionals.

Our team works closely with each client to ensure they secure the most suitable financing options, aligning with their specific business needs. Whether it's for expansion, equipment purchase, or cash flow management, CitiHomes offers both financial support and strategic guidance to ensure businesses make informed decisions and drive sustainable growth.

Term Financing

This is a credit product designed for individual customers seeking funds for personal or household needs. It offers structured repayment options over a defined period, making it a practical solution for managing essential financial obligations.

Get up to 5 Million Naira
Tenor of up to 36 months.
Loan amount in line with repayment capacity.
Flexible repayment options.

Less Documentation.
Competitive Pricing
Flexible payment options
Competitive interest rates.

Requirements

Local Purchase Order Financing

This is a credit product designed to support businesses to execute supply orders from Nigerian Corporates and Multinationals within a specified trade cycle.

Efficient credit process.
Access to working capital.
Supports business growth and expansion.
Contribute to nation's GDP.

Facility amounts of up to 70% of the purchase order.
Tenor of up to 120 days.
Domiciliation of contract proceeds.

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Requirements

Cash Back Facility

This product enables customers with qualifying money markets instruments such as Fixed Deposits and Treasury bills to access credit facilities under flexible terms and tenor.

Flexible loan amount and tenor Lien on Fixed Deposit or Treasury Bills.

Assist businesses to manage cash flow.
Flexible repayment terms.
Competitive interest rate.
Less documentation requirements.

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Requirements

Cooperative Financing

This is financing offered to members of a cooperative for a period of up to 15 months. Here, the cooperative acts on behalf of a unified group of people (its members) which makes it easier for loans to be disbursed and monitored. Repayments from the members are enforced by the cooperative

Approved building plan and other permits.
Evidence of prequalified subscribers.
Pre-approved mortgage for subscribers.
Architect valuation report.
Favourable title search and charting report.
Favourable credit checks from two credit bureau.

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Invoice Discounting

This is a credit facility designed to provide short term financing to small and medium scale companies with annual average turnover of N250 million to support working capital pending receipt of payment from validated invoices. These facilities shall be availed based on the ability of the credit ratings of the third parties.

Facility of up to 70% of validated invoice.
Tenor of up to 90 days.
Domiciliation of payment of invoice proceeds.
Competitive interest rate.

Access to working capital support.
Support business growth and expansion.

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Requirements

Clean Energy Financing

Clean Energy Loan helps finance renewable energy projects like solar panels, wind turbines, and energy-efficient upgrades. It offers flexible terms, low-interest rates, and supports eco-friendly practices, reducing energy costs and carbon footprints.

Tenor: 180–365 days.
Interest Rate: 4% flat per month.
Equity Contribution: 20% of installation fees
Repayment: Monthly interest and principal via direct debit
Favourable title search and charting report.
1% management fee

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Public Sector Financing

This is a credit product that offers Civil servants access to quick funding for personal needs such as education fees or unexpected bills with flexible repayment terms of up to 18 months.

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Requirements

Working Capital Financing

This product offers funding for daily operations thereby enhancing business liquidity with flexible repayment Options.

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Fund Management

Our Fund Management service is a secure and professionally managed investment solution designed to help you preserve your capital while earning competitive returns. Your funds are invested in financial instruments such as government and corporate bonds and notes, with flexible investment tenors tailored to align with your financial goals.

Investment Details

Minimum Investment Amount: ₦100,000
Investment Tenor: 30 days to 365 days
ROI: Competitive interests

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Requirements

Documentations

Validated invoice Letter of Domiciliation Application letter.
Duly completed Loan Application Form.
Proforma Invoice from approved vendors.
Company Profile. Current utility bill.
Three years Audited Account.
Six (6) months Bank statement.
Keyman Insurance Other KYC requirements for opening a corporate account.

Documentations

Employment / Confirmation Letter from client’s employer.
Govt issued ID card and Work ID card.
Utility Bill.
6 months Statement of account (Salary Account).
3 months pay Slip from organization.
2 clean credit bureau reports.

Documentations

Loan application letter
Completed application form
Company Profile
Execution of Lien documents

Documentations

Insert documentations under business loans
Valid purchase order
Letter of domiciliation of contract proceeds

Documentations

Current Payslip
BVN & NIN
Staff ID

Documentations

Valid means of identification
Source of funds (basic declaration)
Bank account details for returns/payment
Passport photograph
Completed investment application form

Returns are structured based on your investment amount and preferred tenure (90, 180, or 365 days), with returns up to 22% per annum