When demand outgrows your cash.
Selling on Vendcliq brings you more demand than your cash can always meet. Cliq Credit loans you cash against stock you already own. The stock stays right there with you, secured and still selling, and as it sells, the loan clears and your profit is yours. No stress, no extra planning.
Cash against stock, without losing your stock.
Cliq Credit is a loan against stock you already own. You pledge stock worth the cash you need, it stays secured on your own premises, and it keeps selling the whole time.
Cash now, against stock you already own
Pledge stock worth the cash you need and get the cash up front, with no new stock to buy first.
Your goods stay with you
The pledged stock is secured in a cage or dedicated space on your own premises, not carted off to anyone.
Keep selling it
A remote padlock and CCTV keep it safe. You sell from it as normal, and once a payment clears through Vendcliq, the padlock releases that stock.
Vendcliq pushes the sales
Your pledged stock gets priority on the marketplace, so it moves and the loan clears faster. The faster it sells, the sooner your loan is repaid, and the sooner you can request another.
- Pledged stock is shown first to nearby buyers
- Faster sell-through means the loan clears sooner
- You sell from it too, through your own shop
Cost out, profit in
Every payment routes through Vendcliq first. It releases the padlock on the stock that sold, recovers its cost, and credits your profit straight to your wallet. As the pledged stock sells, the loan clears.
- Payments route through Vendcliq, then release the stock
- Vendcliq recovers its cost on each sale
- Your profit lands in your wallet straight away
Up to ₦50M, and a limit that grows
Capital that scales with your demand. As you sell through and clear loans, your line gets bigger, so you're always ready for the next rush.
From loan to cleared, all in the app
Request & pledge
Request a loan and pledge stock worth the amount.
Stock is secured
Your stock is secured on your premises, under a remote padlock and CCTV.
It keeps selling
Vendcliq prioritises selling it on the marketplace, and you sell from it too.
Payments route through
Each payment goes through Vendcliq, which releases the stock, recovers its cost, and credits your profit.
The loan clears
As the pledged stock sells, the loan clears and your limit grows.
Cash when demand calls for it
Pledge stock you already own, keep selling it, and let the loan clear itself as it sells.
Next feature: Payments