Trusted Financial Partner
Fast Approvals
Transparent
Flexible Terms
Who We Are
Richgates Capital Limited is a comprehensive financial services institution providing accessible lending solutions, large-scale project financing, and strategic investment opportunities for individuals, businesses, and institutions across Nigeria. As a proud member of the Richgates Holdings group, we bring institutional strength, deep industry expertise, and a commitment to transforming Nigeria's financial landscape.
We are more than a lending company—we are financial partners dedicated to empowering individuals, growing businesses, and funding transformative projects that drive economic development.
Our services
Tailored financing solutions designed for your unique needs.
Retail & Personal Finance
We provide accessible lending solutions for individuals—from emergency cash and payday loans to education financing and rent assistance. Our technology-driven platform ensures fast approval and instant disbursement, making quality financial services available to all Nigerians.
Business & Commercial Lending
Small and medium enterprises are the backbone of Nigeria's economy. We support business growth with working capital loans, invoice financing, asset acquisition funding, and agricultural loans tailored to business cycles and cash flow needs.
We fund large-scale, capital-intensive projects across construction, mining, infrastructure development, manufacturing, and energy sectors. Our structured financing solutions align with project timelines and revenue models, enabling ambitious ventures that drive national development.
Project Financing
Real-estate Financing
We provide accessible lending solutions for individuals—from emergency cash and payday loans to education financing and rent assistance. Our technology-driven platform ensures fast approval and instant disbursement, making quality financial services available to all Nigerians.
Investment Opportunities
We offer carefully curated investment products including, real estate investment trusts (REITs), and project co-investment opportunities—all backed by rigorous due diligence and professional management.
Our experienced team provides strategic guidance on capital raising, financial restructuring, investment planning, mergers and acquisitions, and risk management for businesses and high-net-worth individuals.
Financial Advisory & Consultancy
SELMA WOMEN'S BUSINESS INITIATIVE
In honor of Selma Martha Obanewo-Richking
Building Businesses, Empowering Women
More than a loan—a complete business partnership for women entrepreneurs. We provide collateral-free financing combined with hands-on business development, professional consultation, and systems implementation. Our team works alongside you to build sustainable operations, then transitions out once your business achieves financial independence.
✓ Zero collateral required
✓ Free professional business consultation
✓ Hands-on mentorship and systems development
✓ Partnership until sustainable profitability
Your Complete Financial Partner
Comprehensive solutions from personal loans to major infrastructure project financing.
Personal loans • Business capital • Project financing • Investment opportunities
Why Richgates Capital
Multinational Backing
As Part of Richgates Holdings operating across different sectors in other countries
Customized financing structures for every need
No hidden fees, clear pricing, honest communication
Flexible Solutions
Transparent Terms
What Our Clients Say
”Fast assessment with no time wasted. From the onset, you know exactly what you're faced with—no ambush with hidden charges. Everything is clear from the beginning before you even engage"
- Chris O. - Jos -
”Proffesional Service and Transparent terms. highly Recocommended !”
- Grace A. -Abuja-
Empowering Dreams, Enabling Growth
Ready to achieve your financial goals? Let's get started
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