For Financial Institutions

A secure way to lend to beverage vendors.

We secure the collateral, monitor the stock, and route every sale through our rails until your capital is repaid. You lend. We handle the rest.

Live · ₦1.8B secured

Capital deployed

₦1.8B+18%

secured against live inventory

Sold in 30 days

92%+6%

of pledged stock, across the book

Default rate

0.4%−0.2%

on secured facilities to date

Collateral

Collateral you can see and control

Pledged stock is physically secured in a cage at the vendor's premises, under a Vendcliq remote padlock and CCTV. You lend against inventory you can observe and, if needed, act on.

Physical stock held in a secured cage or dedicated space
Remote-access padlock controlled by Vendcliq
CCTV monitoring with a live view of the collateral

Secured stock · Depot #SAM-04

Vendcliq remote padlockLocked · access loggedCCTV

Pledged stock value₦24,500,000

Insured & monitored · status synced to your dashboard in real time

Repayment

Self-liquidating repayment

Pledged stock is listed for priority sale, and every sale routes through Vendcliq's payment rails. Repayment happens automatically as it sells, before the vendor touches the proceeds.

Priority marketplace listing keeps pledged stock moving
Every sale settles through Vendcliq's payment rails
Your repayment is taken first, before the vendor is paid

Sale → repaymentAuto

Pledged stock sells40 packs · marketplace order₦184,000

Vendcliq payment railsFunds held & split at sourcesplit

Repayment to lenderTaken first · vendor paid the remainder₦156,400

Velocity

Fast sell rates, real data

Vendcliq vendors move stock through the largest drinks marketplace in Nigeria, so you're lending against inventory already in motion, not static collateral.

Collateral that is already selling, not sitting
Sell-through rates backed by real marketplace data
Demand you can see before you deploy capital

Sell-through · pledged stockLive

92%of pledged stock sold within 30 days

Weekly units sold from secured inventory

W1W2W3W4W5W6W7

11 daysAvg. time to repay

0.4%Default rate

₦24.5MAvg. facility size

Remote-lock secured stockInsured & CCTV monitoredRepaid through our railsReal sell-through data

Partner with Vendcliq

Capital that works harder

Vendcliq provides the infrastructure. You provide the capital. Together we extend credit to a market that's never had it at scale.