Banks don't reject you because your business isn't good enough.
They reject you because they cannot see it.
Ledga turns your daily sales into the documents that unlock
loans, grants, and government funding — one record at a time.
Join the waitlist. Founding members get 50% off any plan — for life.
Your financial history starts now.
We'll reach out on WhatsApp or email when your founding member access is ready.
You have been in business for years. Your customers trust you. You make real money.
But without proof on paper — to any bank, government body, or lender — your business does not exist.
You return to that bank. This time you have a PDF. A professional document. Numbers they can work with. You are no longer invisible.
That moment is 180 days away. It starts today.
No accountant. No spreadsheet. No jargon. Record what you make and spend — Ledga handles the rest.
Open the app. Type your amount. Press Done. Or send "Made 85k spent 42k" on WhatsApp. No forms. No categories. No expertise required.
Every record updates your dashboard. Revenue, spending, profit margin, tax status — all calculated automatically. Your business comes to life on paper.
One tap generates your full P&L, Cash Flow, Balance Sheet, and Business Valuation. Download as PDF. Walk into any lender, grant body, or government programme ready.
BOI. Bank of Agriculture. SMEDAN. Government intervention funds. These programmes exist specifically for businesses like yours. They all require the same thing to let you in — financial records. Ledga builds those records automatically.
Nigeria's largest development finance institution. Loans for SMEs in fashion, food, manufacturing, technology, healthcare and more. The government's ₦75B MSME Intervention Programme is also disbursed through BOI.
Loans for farmers, agro-processors, food businesses, and rural traders. Women and youth programmes available with flexible collateral. Branches in all 36 states.
Government agency that connects SMEs to grants, subsidised loans, and market access programmes. Runs the National Enterprise Development Programme (NEDEP) with funds for micro businesses.
DBN provides wholesale funding to commercial banks and microfinance banks, who then lend to SMEs at subsidised rates. Accessible through GTBank, Access, UBA, Zenith, and most major Nigerian banks. Your bank can offer you a DBN-funded loan if your records support it.
The BOI GLOW (Guaranteed Loans for Women) Fund, BOA Women in Agriculture, and CBN Women Entrepreneurs programmes offer dedicated funding for women-owned businesses. Designed for market women, food traders, fashion businesses, and female farmers — with easier collateral requirements.
No app needed mid-transaction. Send your daily total on WhatsApp the way you already talk. Every message is building your financial history — and your loan application.
The Nigeria Tax Act 2025 introduced real exemptions for small businesses. Most owners don't know they qualify. Ledga tracks everything automatically — so you never miss an exemption or a deadline.
BOI. Bank of Agriculture. SMEDAN. Government grants. Your local bank. They all need the same thing — proof. Start building yours now, one sale at a time.
Start building my financial history →Free to join. No credit card. 100 founding spots available.