• 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
  • KotoCoin

    The Ultimate Loyalty Super Coin

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

    Apply Now

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

Qualify For A Quick Growth Capital
Get funded with ease

Registered Business

Registered Business

Is your business registered? You qualify for our quick growth fund.

3 Months of Trading

3 Months of Trading

Do you have a proven track record of growth and sales in the past 3 months?

N20,000+  Monthly Revenue

N20,000+ Monthly Revenue

Do you generate at least N20,000 monthly? You qualify for a Bankoto quick capital.

Don’t Sweat it, we’ve got you!

Get fund for every stage of your journey

Fast Capital
Fast Capital

Get advertising credit in your ad account within 5 Minutes after approval.

Flexible Payments
Flexible Payments

Pay back with ease with a small fixed fee on your credit.

Focus and Grow
Focus and Grow

Grow your business and deliver max return on your marketing investment.

Enjoy The Liberty of Advertising Credit At A Blink

Enjoy The Liberty of Advertising Credit At A Blink

Providing small businesses with advertising capital to grow their business is a mission for us.


Fast Approval

Instant access to capital is now possible with Bankoto. You don’t need to borrow at exorbitant rates to grow your small business.

Campaign Revenue Optimization

We help digital entrepreneurs to scale their advertising through campaign optimization that drives revenue.

Revenue Prediction

We analyze your ad campaigns and accounts to predict future growth and deploy efficient ad capital to scale your small business.

How It Works

1

Connect Your Accounts
Connect your ad accounts and select an offer

2

Receive Your Funding
Invest in your business needs, like ad and inventory

3

Pay Back As Business Grows
Return funding as percent of sales flexible to your business

Grow your ecommerce brand with Koto Credit and enjoy equity-free growth capital

Koto Credit
Koto Credit

Get An Offer
With Basic and Predictable Pricing

Your offer

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Total Repayable
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Terms

  • No fixed repayment date
  • No personal guarantee
  • No equity
  • No hidden costs

Ads Platforms We Work With

Facebook | Bankoto Partners
Google | Bankoto Partners
Amazon | Bankoto Partners
LinkedIn | Bankoto Partners
Twitter | Bankoto Partners
Shopify | Bankoto Partners
Magento | Bankoto Partners
Jiji | Bankoto Partners
Jumia | Bankoto Partners
Konga | Bankoto Partners

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

Let’s Get Your Business Going