Instant School Loans
Get Instant Capital — Backed by Your School's Payment History
Your school already processes payments through FundTrak. Now your collection history unlocks instant working capital — with repayment that happens automatically from incoming fees. No bank visits, no collateral, no lengthy approvals.
< 24hrs
Approval to disbursement
Auto
Repayment from incoming fees
₦0
Collateral required
Loan Products
Funding for Every Stage of Your School's Growth
Whether you need to cover payroll before fees come in, expand your facilities, or handle an emergency — there's a loan product designed for your school's specific needs.
Working Capital Loans
Cover operational costs — salaries, utilities, supplies — before fees come in. Especially useful at term start when expenses hit before parents pay. Get funds in hours, not weeks.
Salary Bridge Loans
Bridge payroll gaps when fee collections are delayed. Ensure teachers and staff are paid on time, every time — even when parents pay late. Ties directly into your FundTrak payroll module.
Infrastructure Loans
Fund school expansion, renovations, equipment upgrades, or new facilities. Longer repayment periods matched to your school's revenue cycle. No need to wait for a full term of collections.
Emergency Loans
Short-term, small-amount loans for unexpected costs — broken equipment, urgent repairs, unforeseen expenses. Apply and receive funds the same day. No paperwork, no waiting.
Term-Start Advance
Get an advance on expected fee collections at the start of each term. Based on your historical collection rates and enrolled student count. Repaid automatically as fees come in.
Revenue-Based Financing
Flexible funding tied to your school's actual revenue. Repayment adjusts with your fee collection pace — pay more when collections are strong, less when they slow down. No fixed monthly burden.
How It Works
From Application to Funding in Four Steps
No bank visits. No collateral. No weeks of waiting. Your payment history on FundTrak is your credit score.
Check Your Eligibility
Your payment history on FundTrak determines your loan eligibility and limit. The longer you've used FundTrak and the stronger your collection rate, the more you can access.
Choose Your Amount
Select how much you need — up to your pre-approved limit. Pick a repayment schedule that works for your school: term-based, monthly, or revenue-linked.
Accept & Receive Funds
Review the terms, accept digitally, and receive funds directly to your FundTrak Wallet or bank account. No branch visits, no physical paperwork.
Auto-Repay from Fees
As parents pay fees through FundTrak, a percentage is automatically applied to your loan balance. You don't have to think about repayment — it just happens.
Smart Underwriting
Your Payment History Is Your Credit Score
Forget traditional bank requirements. Because FundTrak processes your school's payments, we already know your revenue, collection patterns, and financial health. No lengthy applications. No collateral. Just data-driven decisions.
Effortless Repayment
Parents Pay Fees. Your Loan Repays Itself.
Since all fee payments flow through FundTrak, repayment is automatic. A percentage of each fee payment is applied to your loan balance in real time. No manual transfers, no missed payments, no stress.
Loan Dashboard
Everything You Need, One Dashboard Away
Eligibility, active loans, repayment history, and health score — all visible from your FundTrak dashboard. No separate app, no extra login.
Pre-Approved Amount
See your current loan eligibility and maximum amount at a glance. Updated automatically as your school's payment history grows. No application needed to check.
Active Loan Tracker
Track your active loan balance, amount repaid, remaining balance, and next deduction date. All in one view — no digging through statements.
Repayment History
Complete log of every deduction — date, amount, source fee payment, and running balance. Exportable as PDF or Excel for your records.
Loan Health Score
A simple score showing your school's borrowing health. Tracks repayment consistency, collection rate, and platform activity. Higher scores unlock better terms.
Disbursement Status
Real-time tracking of loan disbursement — from approval to processing to funds in your account. Get notified at every stage via WhatsApp or email.
Your school's next chapter shouldn't wait for cash flow
Instant capital backed by your payment history. No collateral, no paperwork, automatic repayment from fees.