Working capital is a scaffold today: no application is live. Eligibility is designed to grow from a business's own orders, payments, and account history. Join the waitlist to hear when it opens.
There is no application, offer, or credit line today — this is a scaffold. When working capital launches, credit will be extended by licensed lending partners. Koda is a financial technology company, not a bank. Banking services are provided by partner banks duly licensed by the CBN.
Planned eligibility grows from real orders, payments, and account flows already sitting on the Koda ledger — not a stack of bank statements.
Planned repayments would be collected from account inflows, with full visibility for the merchant at every step.
Limits, affordability checks, and fraud monitoring stay server-side and are enforced by licensed partners, never the client.
Every order and payment on Koda today becomes part of tomorrow's eligibility picture.