Fintech

Seeds & Pennies

Where financial freedom meets business growth

Flexible financing for small businesses: buy-now-pay-later, savings-backed loans, high-yield savings and an onlending marketplace for investors.

Visit seedsandpennies.com

seedsandpennies.com

₦1.1B+Disbursed

46Physical branches

Overview

What Seeds & Pennies does

Seeds brings swift, easy credit to businesses that traditional banks overlook. It connects saving and borrowing: members save toward goals and unlock loans of up to five times their savings, while their savings stay intact.

Flex Buy lets customers take home appliances, gadgets and work tools today and pay in instalments, and the onlending marketplace lets investors fund loans and earn returns. Seeds also bundles affordable health insurance, backed by 46 physical branches nationwide.

₦1.1B+

Disbursed

Physical branches

28%

Savings APY, up to

Key features

Everything inside Seeds & Pennies

Flex Buy (BNPL)

Own appliances, gadgets and work tools now; pay in easy instalments.

Savings plans

Save “small small” toward goals or join group savings circles.

Savings-backed loans

Borrow up to 5× your savings while keeping them intact.

Onlending

Investors earn up to 20% annual returns by financing loans.

Health insurance

Affordable individual and family cover bundled in.

46 branches

A physical presence across multiple regions.

See Seeds & Pennies live

Explore the product for yourself — or talk to the team that built it about your own idea.