About us

Flex Advance aims to be the solution to the common financing issue which most small businesses face. Traditional sources of financing are not always available to the average SME, and even when they are, they are often rigid and do not fit with the merchant’s business flow. This is where we come in.

Flex Advance is a product of One Finance & Investments Limited, an indigenous consumer finance company which seeks to empower Nigerian business owners by offering them access to working capital conveniently and flexibly.

Through this product, we provide working capital to help grow businesses. We offer cash advances of up to N20 million, based on a merchant’s monthly average card sales via POS (Point-of-Sale) terminals and collect repayments as a percentage of future card transactions.

Product Benefits


The advance is disbursed typically within 24-48 hours of application approval.


No collateral or guarantor required; simply complete our application form, provide documentation and you are set to go.


We charge a fixed fee on the amount disbursed. Unlike traditional sources of funding, there are no application fees, management fees or any hidden fees.


Repayment is collected as a % of your future card sales, until the advance is completely repaid - there is no tenure so repayment period is flexible and dependent on the business' performance.

Apply today and receive funds within 48 hours after approval