Zedvance Targets ₦250B in 2026 After ₦96B Commercial Lending Surge

The Nigerian financial services landscape is witnessing a significant shift as non-bank financial institutions aggressively move into territory traditionally dominated by commercial banks. Zedvance Finance Limited, a subsidiary of the Zedcrest Group, has demonstrated this trend by disbursing over ₦96 billion in commercial lending within just twelve months of launching its dedicated Commercial Solutions business in 2025. This rapid expansion highlights a strategic pivot for an entity that built its 11-year legacy primarily on retail and consumer credit. By successfully deploying nearly ₦100 billion to enterprises, Zedvance is positioning itself as a critical liquidity provider in an economy where small and medium-sized enterprises (SMEs) frequently cite lack of access to credit as their primary barrier to growth.

The success of Zedvance’s flagship product, Liquidity Solutions, reflects a sophisticated understanding of the current Nigerian macroeconomic environment. Rather than relying on traditional collateral-heavy lending, the firm has focused on ecosystem-based financing. This includes invoice and purchase order (PO) financing, equipment leasing, and trade finance. By targeting high-growth sectors such as fintech, e-commerce, renewable energy, and logistics, Zedvance is aligning its capital with the most resilient parts of the Nigerian economy. Particularly notable is their involvement in the mobility and gig economy sectors, where they provide asset on-lending for mobility platforms, enabling gig workers to acquire vehicles and generate income.

“

Zedvance Finance Limited, a subsidiary of the Zedcrest Group, has demonstrated this trend by disbursing over ₦96 billion in commercial lending within just twelve months of launching its dedicated Commercial Solutions business in 2025.

From a venture and startup perspective, Zedvance’s role as a 'lender to the lenders' is a vital development. By providing liquidity to Buy-Now-Pay-Later (BNPL) providers and other fintech entities, Zedvance acts as a foundational layer for the broader Nigerian tech ecosystem. This B2B2C model allows capital to flow through specialized tech platforms that have the granular data to assess consumer risk, while Zedvance provides the institutional-grade balance sheet necessary to scale those operations. This synergy is essential for the continued maturation of the Nigerian fintech space, which has faced tightening global VC funding and must increasingly rely on local debt markets.