BorrowPower is FINT's embedded lending product — secured by Nigeria's power distribution infrastructure. Automatic repayment, near-zero defaults, and access in under 5 minutes.
Unreliable grid power is the single biggest operational burden for small businesses — and existing lending products make it worse, not better.
of SME production costs go to power — generators, diesel, and electricity bills eating into margins every month.
credit gap in Nigeria. Only 3% of the population has access to formal credit, locking out 40 million MSMEs.
Traditional banks require physical collateral that most SMEs don't have — excluding the majority from any formal credit.
Weeks of paperwork, branch visits, and manual underwriting mean SMEs can't access credit when they actually need it.
Cash disbursement leads to misuse of funds — borrowers spend on other needs, can't service the loan, and default rates hit 15–70%.
When grid power cuts out and generators run dry, production stops. SMEs lose revenue they can't recover, creating a downward spiral.
BorrowPower solves cash misuse and weak recourse simultaneously by tying every loan to the power distribution network.
Dial *1220# or apply online. No documents. No branch visit. Approval in minutes using utility history as a credit signal.
Lender purchases prepaid power units directly with the DisCo — no cash touches the borrower's hands. Zero misuse risk.
Power units credited to the SME's meter instantly. Business keeps running. No downtime, no cash advance required.
Repayments deducted automatically from the SME's next power top-up with the DisCo. No chasing. No friction.
Cash goes to borrower. Borrower spends it elsewhere. No structured repayment. Lender chases manually. Losses mount.
Funds go to DisCo, not borrower. Repayment embedded in next power payment. Borrowers must repay to keep the lights on.
BorrowPower isn't a new concept — it's a proven model from mobile telecoms, now applied to power infrastructure.
MTN Nigeria lends call & text units directly to users — the same targeted-disbursement model BorrowPower uses for power. The results speak for themselves.
FINT earns a fee on every loan facilitated — paid by the lender from interest earned. Borrowers pay no origination fees.
At $100m facilitated annually, FINT will have empowered 400,000+ households and businesses across Nigeria with more flexible power payment options — while delivering consistent, infrastructure-backed returns to lenders.
Any SME connected to a DisCo network can access BorrowPower — from workshops to cold chains to tech startups.
Small factories and workshops where equipment downtime directly halts revenue. Power credit keeps production lines running.
Refrigeration-dependent businesses facing spoilage risk when power fails. A *1220# call keeps the cold chain intact.
Service businesses where tools and equipment require reliable electricity. No power = no customers = no revenue.
Print shops and studios where power interruptions mean missed deadlines and lost contracts. BorrowPower keeps jobs on track.
Contractors needing consistent power for welding, drilling, and other equipment-intensive work on-site.
Design agencies, studios, and co-working spaces that need uninterrupted power to deliver client work on time.
FINT has signed partnerships with the two largest power distribution companies in Nigeria, with more in active review.
Nigeria's power distribution market generates $1.9bn in annual revenue — and that's just the start. The same infrastructure-lending model scales across the continent.
Pick the channel that works for you and get power credit today.
Individual or SME owner who needs power credit. Access BorrowPower through any of these channels.
Institution or individual looking to deploy capital into African SME credit with infrastructure-grade security.