Get loans faster. Know your credit position.
PearMonie helps businesses and individuals get to the right loan faster. Check your credit position, get clear steps to improve, and apply to lending partners that suit what you need.
Need funding now? Explore loan options →
REPORT · OCT 2026Ref: FR-000000 (sample)
- Your location suits this offer
- Your income matches the expectation
- Your business type suits this offer
- Your profile shows you can repay
Turned down for a loan? You're not alone.
Many good businesses get declined with no clear reason. Lenders commonly look at your records, account activity and loan amount. Know how you measure up before your next application.
Three things PearMonie's Credit 360 gives your business
Funding-readiness assessment
A clear picture of how ready your business is for funding today, based on the factors lenders commonly consider.
Improvement recommendations
Practical steps to strengthen your business before you apply, in plain language.
Suitable lending options
The lending partners and loan types that may suit your business and what you need the money for.
The Credit 360 assessment is PearMonie's own and is not an official credit bureau score. It does not guarantee a loan. Lenders make their own decisions.
From "I need funding" to the right lender
Check
Check your readiness on your phone.
Improve
Improve with clear recommendations.
Match
Match with lenders that suit you.
Borrow
See the terms first. The lender decides.
Don't borrow to survive. Borrow with a plan to move: for stock, orders and equipment, or solar at home.
Loans are provided by PearMonie's lending partners, subject to their eligibility checks and approval. PearMonie is not the lender.
Tools that keep your business funding-ready
Business tools
Invoices and receipts (with VAT handled), inventory, your own online store, bulk SMS and email, and business insights.
Explore business tools →
Business wallet
Receive payments, send money and pay bills, with every transaction tracked automatically.
See the wallet →Built for businesses and people on the move
Traders and shop owners
December is coming. Know where you stand before you apply for restock funding.
Online sellers
Declined by loan apps before? Check your readiness before you try again.
Contractors and suppliers
Contract don land, money never land? Find lending options that suit the order.
Service businesses
Caterers, salons, event vendors: build your record, then find the right funding.
Side hustlers
Salary don enter? Get your side business funding-ready from day one.
Individuals
Light don go again? Find lending options for solar, or for the equipment you need for work.
Real businesses. Real results.
Why 20,000+ businesses trust PearMonie.
Incredibly helpful in managing and streamlining my business operations.
A total game-changer. I love how everything I need is in one app.
I was able to know areas I need to work on in my business.
A game changer! I really appreciate the daily update notifications.
PearMonie makes payments easy for my customers.
What is PearMonie's Credit 360?
A check that gives you a funding-readiness assessment, recommendations to improve, and lending options that may suit your business.
Will Credit 360 tell me why a lender declined me?
No. Only the lender knows its exact reasons. Credit 360 shows how your business measures up on the factors lenders commonly consider, and what you can improve.
Is it my credit score?
No. It's PearMonie's own assessment, not an official credit bureau score.
Is PearMonie a lender? Do you guarantee a loan?
No. Loans come from PearMonie's lending partners, who check eligibility and make every decision.
Where is funding available?
Loans through PearMonie are currently available in Lagos.
Can individuals get a loan through PearMonie?
Yes. Individuals can find lending options for things like solar and equipment, from PearMonie's lending partners, subject to their approval.
Is my information safe?
We only share your details with a lender when you agree to it. Privacy Policy
Your business is ready. Is your funding?
Know where you stand before you apply for a loan. Join 20,000+ businesses growing with PearMonie.
Not a business owner? PearMonie's Credit 360 works for you too.
Planning to go solar at home, buy equipment for your work, or cover a big planned expense? Find out where you stand before you apply, get clear steps to improve, and see lending options that suit what you need.
Solar and power at home
Know if you're ready before you apply to spread the cost of a solar or inverter setup.
Tools and equipment for work
A laptop, a sewing machine, a generator. Check your readiness before you ask for funding.
Personal loans for planned needs
Rent, school fees or a big purchase. Apply knowing where you stand.
Loans are offered by our lending partners in Lagos and are subject to their approval. PearMonie is not the lender.