Human-to-human connections are the heart and soul of a business. Put simply, business occurs when an individual or group of people deliberately provide services that eases the life of another person in a profitable manner. A business is about solving problems, alleviating pain points, creating a rapport with consumers, and providing delightful customer experiences. Profit only comes when a sound business model is matched with a positive customer experience. At Credit Direct Limited, the knowledge of what business is truly about is what wakes us up daily, motivates us to join the early morning rush, sit in the road rage patiently with a simple purpose to arrive at the office as early as possible to serve our esteemed customers.

Our passion to serve is what propels the sales team to beat the torturous weathers of Sokoto, Gombe and Katsina States and meander through the slippery footpaths of riverine areas in Bayelsa and Rivers States in search of more Nigerians to solve their financial challenges. The joy and amazement on the faces of customers when they get credited with the requested loans within few hours is what motivates our management to workday and night strategizing new ways to make the business meet its promise and deliver a phenomenal experience to customers. Even though the Credit Direct team may get held up in traffic for long hours in Lagos, travel across the country to visit stakeholders or put themselves in harm’s way walking the streets up North seeking another customer to assist, our duty to serve and care for our customers brings fulfillment to everyone in our value chain.

At Credit Direct, we are a long chain of professionals, bond together by one mission – we enable Peace of Mind. The fact that majority of Nigerians still find it difficult to access credit at the point of emergencies motivates us to think deeply about how to solve this critical socio-economic problem. There are the loopholes to fill, there are openings to fix, there are needs to meet, and fortunately there is Credit Direct to meet those needs.

The Credit Direct Brand is all about meeting the needs of those who were uncared for and those with genuine need for money but could not be accommodated not because of any fault of theirs but because the neglect was widespread and deep, because the divide between the affluent and mass market was deliberate to ensure there is always a second class category whenever it is decision making time. Credit Direct continuously disrupt the space and does what a lot of people including experts believe and consider “IMPOSSIBLE” to achieve, what industry legends regarded as a definite loss of revenue and reputation if ventured into. In fact, when we started, 6 months our proposal stayed in the hands of top business executives and government officials and the verdict was “try this at your own peril” why was that the narrative and how did we change the narrative to a winning one? The answer is simple, because the idea was not for “profit” or “loss”. It was not set up for the Balance Sheet figures at the end of every financial year, it was not set up for big board meetings and extravagant Annual General Meetings, it was set up to put smiles on the faces of salaried employees who are real economic actors in the theatre called Nigeria. To bring peace and fulfilment to a father whose child laid on the sick bed and would not be attended to till he makes a deposit. For the mother who toils daily yet cannot afford to pay the fees of the child and he is driven from school on the first day of the third term examination just because her salary had not yet been paid. For the hardworking civil servant whose rent is due, and the landlord has pasted the eviction notice with a short timeline. Now those are the real heroes we were born to help, and yes, we have created a long list of promoters across territories who never knew their potentials till they got their loans on the same day and sometime instantly.