Fund verified salary-backed loans and earn up to 40% annual returns with predictable monthly cashflow. Start with as little as ₦50,000.
₦500m+
Total Loans Funded
200+
Active Co-lenders
40%
Annual Returns
99.2%
Repayment Rate
Money should work for everyone. We make it even better with embedded passive income in a safe, secured environment.
Salary loans to approved workers are life savers. Support a need today and change a life tomorrow.
Start with as little as ₦50,000. Get your money working for you from day one — no minimums, no barriers.
Average loan tenor: 4–18 months. Quicker turnaround means faster reinvestment and compounding growth.
Salary loans get repaid in installments during payday directly from employer payroll. No long waits.
Track every transaction from your palm. Real-time insights on your portfolio, returns, and repayments.
Set funding preferences and let your money work while you sleep. No manual marketplace visits needed.
Getting started takes less than 5 minutes. No paperwork, no delays.
Sign up for free, verify your identity, and top up your wallet with any amount from ₦50,000.
Explore verified salary-backed loan requests on the marketplace. Select and fund with a single click.
Receive monthly repayments into your wallet. Reinvest automatically or withdraw to your bank account.
Our mission is to pave the way for the future of finance by creating a marketplace for individuals and institutions to earn, make impact and support access to funds by validly employed Nigerians digitally.
Choice of products
Full privilege to choose loan categories to back.
100% transparent
Full insight on loan funds — number, amount, returns & payback date.
Boost your income
Use monthly funds flow to back new requests and grow returns.
Auto Funding
Set preferences and save yourself the hassle of manual transactions.
Colend Dashboard
Live preview
Loan LN-38291A funded
2 minutes ago
Monthly payout received
Today, 9:00 AM
Auto-fund activated
Yesterday
"Colend changed my perspective on investing. The monthly cashflow is incredibly consistent and the dashboard makes tracking everything so easy."
Adaeze O.
Co-lender since 2024
"I started with ₦100,000 and within 8 months I had grown my portfolio significantly. The auto-fund feature is a game-changer for busy professionals."
Emeka K.
Co-lender since 2023
"What I love most is the transparency. I can see every loan detail, track repayments, and know exactly when my returns are due. No hidden fees whatsoever."
Funke A.
Co-lender since 2024
Colend is a co-lending marketplace that connects individuals and institutions with verified salary-backed loans. You fund loans and earn predictable monthly returns from borrower repayments.
You can start co-lending with as little as ₦50,000. There is no maximum limit — fund as many loans as your wallet balance allows.
All loans are salary-backed. Repayments are deducted directly from borrowers' payroll or salary accounts by their employers, significantly reducing default risk.
Returns are paid monthly as borrowers make their installment repayments. You can reinvest automatically or withdraw to your bank account.
As with any investment, there is some risk. However, salary-backed loans have a 99.2% repayment rate. Colend also provides insurance coverage on funded loans to protect your capital.
Your funds are tied to the loan tenor (4–18 months). Monthly repayments flow to your wallet, which you can withdraw or reinvest at any time.
Join thousands of co-lenders earning predictable monthly returns while making a real impact on Nigerian workers' lives.
