From your circle to your cycle.
SpaceCredit replaces the chat-thread chaos of group lending with a structured, transparent flow — built around how Nigerian clusters actually work.
Sign up & verify
Download the app, create an account with your phone number, and verify your BVN. 90 seconds, end-to-end.
Form a cluster
Create a new cluster or join one with an invite code. Set member limits, loan size, interest, and cycle frequency.
Invite trusted members
Share a QR code or 6-character invite. New members onboard with one tap and the manager approves them in-app.
Run a loan cycle
Members contribute their portion. Loans disburse on FIFO order to member bank accounts within minutes.
Auto-collect repayments
Daily, weekly, or monthly — repayments auto-debit on the agreed schedule. Reminders go out automatically.
Build trust, scale up
Every on-time payment lifts your Cluster Trust score — unlocking larger loans, lower fees, and SpaceCredit-backed top-ups.
Fair by default. Configurable on demand.
Our default model gives loans in first-in, first-out order so no one waits unfairly. Need a different rule? Pick rotating, lottery, or manager-priority — whatever your cluster agreed to.
- FIFO, rotating, and lottery models
- Manager-priority for emergency cases
- Skip / pause cycles with member vote
- Full audit trail visible to every member
Run your first cycle this week.
Download SpaceCredit and have your cluster live in under an hour.
