• Financial and Customer Experience Platform For Africa's Ecommerce

    We provide today's ecommerce SMEs with ad financing and tech to grow
    KotoCredit | KotoCard | KotoCoins | KotoStore

    Get Started Today

  • KotoCredit

    Advertising Financing for Digital Advertisers

    We provide online entrepreneurs with credit to fund their growth.

    Get Started Today

  • KotoCard

    Visa Card For Online Advertising

    Get a Koto card today and access all your marketing funds in one place.

    Apply Now

  • KotoReward

    The Ultimate Loyalty Super Coin

    Reward your customers seamlessly across the customer journey with our inexpensive reward coins.

    Apply Now

Trusted by fast-growing brands

Your 24/7 Ecommerce Financial & Experience Partner
Your 24/7 Ecommerce Financial & Experience Partner
Scale Up Winning Ads
Scale Up Winning Ads
Start scaling your advertising campaign with tailored-made financing.
Switch Up to ecommerce Cards
Switch Up to ecommerce Cards
Make the switch to payment cards structured around your ecommerce business.
Move Up Sales Seamlessly
Move Up Sales Seamlessly
Sell products and collect payments. It’s monetization made simple.
Drive Up Customer Loyalty
Drive Up Customer Loyalty
It’s the season of rewards. Your customers deserve a truly omnichannel loyalty coin.

KOTOCREDIT

Ads Credit for Advertisers to scale

With Kotocredit, you can get the funds you need to promote your products on marketplace, social media and reach a wider audience across your preferred advertising channels.

Request Credit
Ads Credit for Advertisers to scale

KotoCredit
No Hassle Advertising Capital to Grow

Ecommerce

Fast & Flexible Finance For Ecommerce Brand

Get the needed fund to scale your advertising

Ecommerce

Agencies

Fast & Flexible Finance For Advertising Agencies

Get the needed fund to scale your advertising

Agencies

Digital Products

Fast & Flexible Finance For Digital Products

Get the needed fund to scale your advertising

Digital Products

SAAS & Apps

Fast & Flexible Finance For Saas Brand and apps

Get the needed fund to grow your apps

SAAS & Apps

Affiliates

Fast & Flexible Finance For Top Affiliates

Get the needed fund to scale your advertising

Affiliates

Understand your ecommerce earning potentials
Leverage our proprietary campaign optimization to turbocharge your earnings

Your 24/7 Ecommerce Financial & Experience Partner
Your total Return on Ads Spend : 3x ROAS
Bankoto ads finance return 3x the funds to customers
Ads Credit:
N250,000
We offer up to N250,000 in Ads Credit
Bankoto Fee:
15%
This covers technology, analysis and management & collection of funds
Duration:
90days
No of days your repayment will be due
Hidden Fees/Variable Interest Rate:
0
We don’t charge any other feed apart from our fee, no hidden charges, no equity contribution
Your total payment:
N287,000

Unleash Unstoppable Growth on Bankoto
Transform your business with our powerful tools, integrations and unforgettable experiences

KOTOCARD

Cards Built for Advertisers & Ecommerce

Our virtual card is perfect for advertising purposes, allowing you to easily track your spending and stay within budget. Kotocard makes it easy to manage your advertising expenses.

KOTOSTORE

Free web-store to drive sales

Create a professional-looking online store or sales page for free. Giving you the ability to sell your products to a global audience.

KOTOCOINS

Ultimate Loyalty Coins

Retain your customers and keep them coming back for more. With Kotoreward, you can offer rewards coins to your customers, incentivizing them to make repeat purchases and driving sales for your business.

Success Stories

  • How we grew sales by 200% with koto Credit
    Onelearn

    How we grew sales by 200% with koto Credit

  • How ARMI doubled its investment product with Koto Credit
    ARMI

    How ARMI doubled its investment product with Koto Credit

  • Wakapro sees 350% increase in sales with Koto Credit
    Wakapro

    Wakapro sees 350% increase in sales with Koto Credit

Ready To Scale Your Business Growth

Whether you're just starting out or looking to take your ecommerce business to the next level, Bankoto has the financing and solutions you need. Start taking advantage of our products today and watch your business grow!

Open A Free Account Today