No interest in the window
Pay half upfront plus a small fee. Repay the rest to Kajco within 30 to 40 days. Repay well and your limit grows from ₦50,000 to ₦200,000.
Trust infrastructure for emerging markets
Trust already exists. Kajco makes it count.
Corner stores and retailers already give credit to customers they trust. Kajco turns that trust into fair, digital credit, offered by the merchant and repaid to Kajco. We start with Trustline Credit in Nigeria.
Adebayo StoresStart a Trustline sale
Good afternoon, Tunde
Trustline capacity₦400,000available of ₦700,000
Paid to you today₦90,00090% upfront on 1 sale
Customer balances
Oluwayemi₦50,000 · repaying Kajco
Day 7 of 40Akin₦100,000 capacity released
RepaidHomeSalesCustomersAccount
Hi, OluwayemiTrustline balance₦50,000Due in 33 days · 0% interest
Pay Kajco
Level 364 / 100 points
Limit ₦125,000 · repay within 7 days for bonus pointsRecent
Adebayo Stores₦100,000 purchase · ₦50,000 paid
TrustlineHomePayHistoryAccount
The idea
Trust doesn't travel. We're building the rails that let it.
A merchant knows who pays on time. That knowledge sits in a notebook, so banks and lenders never see it. Kajco captures it with the customer's consent and puts it to work.
- CaptureRecord credit between merchants and the customers they already trust.
- FinanceGive verified customers fair, digital credit to buy what they need.
- LearnEvery repayment builds a record, and good behaviour unlocks more.
Trustline Credit · our first product
Pay 50% today. Pay the rest later. Build trust. Unlock more.
90% paid upfront
Sell more and get 90% of the sale straight away. Track sales, customer repayments and your Trustline capacity in the Kajco app. Merchants share 10% of the risk, so they pick customers they trust.
Data that compounds
Every purchase and repayment is recorded. Over time this builds the Kajco Trust Score, and later products like the Yalo card.
Where we are
Built, approved and ready to deploy.
Product and working prototypeDone
Nigerian approvals and trademarksDone
Launch with 40 merchants in Oyo and LagosNext
Kajco Trust Score and Yalo cardLater
FCCPC approval to operate Kajco CreditJuly 2025 · FCCPC/DSE/INV/ML/616
NDPC data protection registrationNDPC/DCP/07167 · valid to July 2027
Kajco Credit and Kajco Trustline Credit trademarksAccepted in Nigeria · Class 36
Kajco Finance Ltd (UK) · Kajco Lending Services Ltd (Nigeria)Company no. 16320323 · RC 8384389
About
Built from inside the markets we serve.
Kajco is building a financial ecosystem around a simple idea: trust already exists in the markets we serve. It just isn't always captured in a form that financial systems can use.
Across emerging markets, people trade, borrow, repay and build businesses through relationships that often sit outside traditional financial infrastructure. A merchant knows which customers pay. A trader knows who can be trusted. A small business builds a repayment history long before it appears in a formal credit file.
Our first focus is credit. Through Kajco Credit, our first product is Trustline Credit: purchase financing delivered through the corner stores and retailers customers already trust. Today it runs on established identity, credit-bureau and payment systems, with every transaction mirrored into Kajco's own records. Over time, that data will build Kajco's own credit intelligence and support a broader range of financial products.
“The trust is already there in every market street. We're building the system that lets it count.”
Kajco Finance Ltd is a UK company. Its Nigerian subsidiary, Kajco Lending Services Ltd, runs our initial credit activities in Nigeria. Our approach has been shaped through practical work with businesses, conversations with industry professionals, mentors and partners, and direct observation of how credit and commerce work beyond traditional financial systems.
VO
Valentine OnyenobiFounder and Director
Valentine has spent the past seven years building and working with businesses across the UK, the UAE and Nigeria, across strategy, operations, business development and systems. Through Freetown Consultancy and Services he has helped founders and growing businesses build stronger operating structures. He holds an MBA in Global Business. Kajco grew from seeing firsthand how much economic activity happens outside conventional systems.
Contact
Investors, partners and merchants: talk to us.
Send us a message and we'll reply by email. Our investor brief is available on request.
Or email us directly: [email protected]