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Empowering Digital Lending

Loan App Platforms
Fast Micro & P2P Lending
Launch in 7 Days — From ₦300k

About Us

Loan App
Development Experts

At Nicholas Idoko Technologies, we build secure and scalable loan applications that enable micro lending and peer-to-peer financing. From user onboarding and KYC verification to automated repayment schedules, our solutions are designed to get your lending business running quickly. With a starting price of ₦300,000 and a delivery time of just 7 days, we ensure you go live fast and efficiently.

1
Apps Delivered
7 Days
Delivery Time
₦300k
Starting Price
100%
Client Satisfaction

What We Offer

Kickstart Your Loan Platform

Borrower Onboarding & KYC

Seamlessly register users and verify their identities with built-in KYC and credit scoring modules.

Loan Application Workflow

Manage loan requests, approvals and disbursements from a streamlined dashboard.

Automated Repayments

Set up flexible repayment schedules with reminders and automatic deductions via integrated payment gateways.

Bank & Wallet Integrations

Connect with Nigerian banks and mobile wallets for swift disbursement and collections.

Analytics & Reporting

Track portfolio performance and user repayments with detailed analytics and exportable reports.

Secure Data Protection

Ensure every transaction is safe with encryption and industry-standard security practices.

Packages

Loan-Platform
Packages & Feature Sets

Starter

One-Time Fee: ₦300,000
Timeline: 7 days

  • Core lending workflow
  • Admin sets single-installment loan limits & interest
  • Borrower sign-up, KYC upload, admin approval/decline
  • Loan request & manual disbursement recording
  • E-mail reminders before due date (Brevo - 300 emails/day free)
  • Admin supplies repayment account details
  • Manual repayment confirmation & ability to raise borrower limit
  • Basic borrower & admin dashboards
  • Client supplies hosting, domain & SSL

Growth

One-Time Fee: ₦750,000
Timeline: 14 days

  • Adds to Starter → Flexible products & light automation
  • Multiple-installment schedules with configurable tenor/grace
  • Flat vs. reducing-balance interest options
  • Auto-generated amortization schedules e-mailed to borrowers
  • SMS reminders via Termii in addition to e-mail
  • Simple rules engine to auto-increase limits after X on-time repayments
  • Client brand colors/logo & borrower balance-view dashboard
  • 3-month post-launch bug-fix support
  • Client supplies hosting, domain & SSL

Pro

One-Time Fee: ₦1,500,000
Timeline: 21 days

  • Adds to Growth → Mobile apps, instant payments, advanced KYC
  • Hybrid Android + iOS app synced with website
  • Flutterwave/Korapay for real-time disbursement & repayment (auto-reconcile)
  • BVN/NIN, selfie & ID liveness checks (Smile Identity or equivalent)
  • Push notifications (Firebase) & PDF loan agreements
  • Portfolio-at-risk & borrower-cohort analytics dashboard
  • 6-month priority support

Enterprise

One-Time Fee: ₦4,000,000
Timeline: 30 days

  • Adds to Pro → Multi-tenant SaaS, AI credit scoring & full wallets
  • AI-assisted scoring using bank-statement & telco data (Mono/Okra)
  • Real-time fraud & duplicate-identity blocking
  • Borrower & lender wallets, bulk payouts, scheduled direct debits
  • Payday, revolving & asset-backed loan types; promo fees & coupons
  • Investor-grade CSV/PDF/Excel reports & custom charts
  • Referral program, role-based access, 2FA & audit logs
  • 12-month priority support

Our Projects

Explore Our Loan Platforms

P2P Lending Platform - Secure and Transparent Financial Ecosystem

Our Clients

We have been honored to partner up with these clients

Nicholas Idoko has been critical to the development of the application MyPayCalendar. Nicholas provides quotes ahead of time and finishes the work in a timely manner whilst keeping the customer in the loop of the development of the product. Nicholas is an excellent individual to work with whose technical abilities are equally matched with his honesty and communication skills. I will continue to work with Nicholas for the foreseeable future.

Rory Janes
Rory Janes CEO, MyPayCalendar

Nick has been a wonderful person, Really has an eye for details and is impeccable at following up the progress of the systems he creates. It is worth mentioning that He is an efficient team player and is worthy of accolades in his professional dealings and moral dispensation. I recommend you engage with Him in every area that you can think off, Men of his standards are very rare. Thank you for all you do Nick, you're one of the best things that has happened to me this year.

Emmanuel Adeyelu
Emmanuel Adeyelu Director, ORWorld.ng

Nicholas Idoko resolved our challenges of three years in about 2 weeks. He is very professional, honest and very good at his work.

Rotimi Ogunsola
Rotimi Ogunsola CEO, Servpay

Worked with him on a project. Timely and professional. Recommended!!!

Tunde Ashaolu
Tunde Ashaolu CEO, Clay's Concept

I have worked on several projects with Nicholas Idoko and I must say they’re the best company to handle any of your web projects. I’ll recommend anyday.

Chukwudi Okenyi
Chukwudi Okenyi CEO, Funnels NG

Working with Nicholas is a blessing. I was at the verge of giving up on African developers because I have had the worst experience ever until a friend recommended Nicholas. From Day 1 to the the launch of my product was a breeze. From understanding what needs to be done to communicating effectively. I wish I can keep him for myself but I know alot of people need his kinda person. I recommend 100%.

Franklin Emmanuel
Franklin Emmanuel CEO, Kren AI

Software developers can be frustrating. I’ve had my fare share. You likely would have too. With Nicholas, I’m certain you would have an excellent experience. He is professional and quite detailed.

Richard Okenyi
Richard Okenyi CEO, Maxonot

Nicholas has been highly instrumental in the success of my business by developing our work management flow and a PR & Comm. Software. He is very friendly, reachable and highly recommended.

Oke Oladimeji
Oke Oladimeji Founder, NewswireJet

One of the best guy I have worked with, he is committed, sincere and delivers in record time.

Qris Ebeatu
Qris Ebeatu CEO, Singnify

Nick is an excellent Web developer, knows his onions too well, impeccable designs delivered in style and time conscious.

Tolulope Oguntade
Tolulope Oguntade CEO, Regville

You can count on Nicholas Idoko Technologies Limited for prompt service delivery, innovation around execution of your work/project and competitive price at top notch quality.

Donald Umunna
Donald Umunna Founder, Next Professionals Network

Contact Us

Reach out for a free consultation or start a project

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Contact Info

Where to Find Us

Based in Abeokuta, Nigeria, with a U.S. presence, we operate remotely and serve clients in Lagos, Ibadan, and throughout Nigeria — as well as internationally.

Trusted by clients worldwide, we deliver excellence regardless of location.

Email Us At

[email protected]

Call Us At

Int'l: (+1) 719 316 9994
Local: (+234) 0815 874 7666