Borrow together.
Grow with your cluster.
SpaceCredit turns the trust you already share with friends, family and colleagues into a powerful financial engine. Form a cluster, run loan cycles, and access capital — fairly, transparently, on your own terms.
The fairest way to access capital is together.
Banks don't know your story. SpaceCredit works through the people who do — your cluster vouches for you, SpaceCredit funds the loans, and every payment is tracked in the open.
Cluster-based lending
Form a group of trusted members, set the loan amount, interest, and repayment frequency — and SpaceCredit funds each member's loan in turn.
Structured loan cycles
Daily, weekly, or monthly repayment schedules with FIFO disbursement and a clear ledger for every loan — no spreadsheets.
Guarantor-backed trust
Every borrowing member is backed by a guarantor from their circle — so the trust your cluster runs on is real and accountable.
Direct disbursement
Loans go straight to each member's registered bank account, and repayments are tracked against a clear schedule. No paperwork.
Manager controls
Cluster managers approve members, configure cycles, and resolve disputes — with full visibility for every member.
Built for Nigeria
Naira-first. NDPR-compliant. BVN-verified. Works with every Nigerian bank and supports daily-cash flows your business actually has.
From invite to disbursement in 3 steps.
Form your cluster
Create a cluster, invite members with a code or QR, and configure loan size, interest, and cycle frequency.
Run a loan cycle
SpaceCredit funds each loan — no member contributions. Loans disburse in FIFO order and repayments are tracked in the app.
Repay, then go again
Repay on schedule and complete the cycle. Recycling clusters roll straight into the next round — so every member gets their turn.
One dashboard for every cluster you're in.
See your balance, active cycles, repayments due, and earnings — all in one home view. No hunting through chats, no chasing receipts.
- Live loan balance and repayment progress
- All clusters and cycles at a glance
- Repayments due, with clear due dates
- Setup checklist guides you to first cycle
Run your group like a co-op, not a chat thread.
Manage members, approve invites, and configure loan cycles from a single screen. Share invite links and QR codes that auto-onboard new members.
- Invite by code, link, or QR
- Approve or pause members instantly
- Set loan amount, interest, and frequency
- Fair FIFO disbursement, in join order
Designed for the real flow of group money.
Every screen is built around how Nigerian clusters actually save, lend, and repay — not bank jargon.
Your money stays yours. Period.
SpaceCredit is built to bank-grade standards — and audited like one. We never touch funds without your authorisation, and we never share your data without your consent.
Bank-grade encryption
All data — at rest and in transit — is encrypted with AES-256 and TLS 1.3.
NDPR-compliant
Your data rights are protected under the Nigeria Data Protection Regulation. Always.
BVN-verified members
Every member is verified — so the trust your cluster runs on is real.
What our members say.
"I run a small fabrics shop. SpaceCredit lets my market women's group lend to each other without WhatsApp wahala. Game changer."
"Got my first ₦200k loan through my cooperative cluster the same week I joined. Repayments are simple to track. No stress."
"Finally a financial app that gets how Nigerian groups actually work together. The first-in, first-out order keeps everything fair."
Frequently asked.
Is SpaceCredit a bank?
No. SpaceCredit is a lending platform built around trusted groups. SpaceCredit funds the loans; your cluster provides the structure, accountability, and the order in which members receive them. We partner with licensed financial institutions for payments and BVN verification.
How big can a cluster be?
Clusters can have 3 to 20 members. Most successful clusters start with 5–10 members who already know and trust each other.
What if a member doesn't repay?
The cluster manager is notified and the loan is flagged as overdue in the app. The member's guarantor and in-cluster dispute tools help your group reach a resolution before a loan is marked as defaulted.
Do members pay money in before getting a loan?
No. SpaceCredit funds every loan directly — members never pool or deposit funds. You only make repayments on your own loan, on the schedule your cluster agreed.
Which banks do you support?
All Nigerian banks. We use NIBSS rails so disbursements and repayments work with every account in the country.
Download SpaceCredit. Invite your circle.
It takes 90 seconds to sign up — and your first cycle can run the same day.