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Funds in under 24 hours

Registered money lender

Bridge Your Financial Gap

Business loans, Asset Finance, Travel finance, Investments and effortless bills payment — built for families, professionals, entrepreneurs and disbursed in under 24 hours.

  • Incorporated in Nigeria since 2020
  • Registered money lender
  • Partnered with banks & finance houses
A proud Nigerian mother in a tailored navy suit standing with her smiling daughter in a crisp secondary school uniform on a sunlit Lagos terrace
School fee loans✦Travel & proof of funds✦Personal loans✦Business & SME support✦Business review & advisory✦Large business financing✦Bill payments✦Airtime & data✦School fee loans✦Travel & proof of funds✦Personal loans✦Business & SME support✦Business review & advisory✦Large business financing✦Bill payments✦Airtime & data✦

Why Gap Castle

Four promises, before any paperwork.

No jargon and no runaround. Whatever brings you to Gap Castle, this is how we work — every time.

More about Gap Castle

01

24hrs

Precise execution

From approval to money in motion. Once we say yes, the funds are disbursed within 24 hours.

A Nigerian professional in a blue suit crossing a bridge, the Lagos skyline behind her

03

Specialists, not generalists

Education and travel finance are what we know best, and it shows in how quickly we move.

02

Plain answers

We tell you the rate, the tenure and the total cost before you commit — in language you can repeat to your spouse.

04

Reachable people

A real office in Ikeja, real phone numbers, and someone who answers them.

Loan products

Real money, for real Nigerian life.

Talk to a loan officer
A smiling Nigerian secondary school student in uniform writing in her notebook during class in a sunlit classroom

24hrs

Disbursement

01 — Education

School Fee Loan

We partner directly with private primary and secondary schools. The school is paid in full and on time; you repay in instalments that respect the family budget.

  • Paid direct to the school — No cash handling, no awkward conversations at the gate.
  • Term-by-term repayment — Instalments timed to the school calendar and your income.
  • Low rates, minimal documents — Built for salary earners and self-employed parents alike.
A confident young Nigerian woman in smart travel attire with suitcase and passport in an international departure hall

100%

of the trip covered — not just the ticket

02 — Travel

Travel Loan

Study abroad, business trips, family visit? We can help you plan early to avoid last minute rush.

  • Admission & Funding — In partnership with foreign institutiobs, we help with funding to some schools
  • Visa, Flights, Insurance — We help you through the process
  • Account Funding Options — different rates available to suite your income. 

< 24hrs

from application to decision

03 — Everyday

Investments

Earn up to 21% pa on your deposits

  • Monthly, Quarterly, Yearly Interest — You get to choose how you are paid
  • Attractive Interest Rates — Earn from 12% pa to 21% pa
  • Free Investment Advise — Get free consults on your investments. 

₦3m+

On Asset Finance

04 — Enterprise

Business & SME Loan

Financing up to ₦3,000,000 at competitive rates for working capital, . Larger amounts for our asset finance.

  • From ₦1,000,000 to ₦3,000,000 — You can have access to this within 24hours
  • Easy Access for Business — Term loans, invoice discounting, LPO and more.
  • We Review you business, understand it, advise you before financing. — We do not use one size fit all. Our loans are tailored to your business.

How it works

Three steps, and the money moves.

  1. 1

    Tell us what you need

    Complete a short application online, share the necessary documents  — start where you are.

  2. 2

    We review and match the rate

    Our team reviews your request  and gets back to you to make an informed decision/offer — We review, understand and advise

  3. 3

    Funds move within 24 hours

    Upon approval, the fund is credited to the required account : straight to the school, into your travel plan, or to your business account.

Bill payments & mobile app

Everyday payments, zero wahala.

Settle utility bills, buy airtime and data, and manage your Gap Castle account from the web platform or our mobile app.

Electricity

Prepaid and postpaid tokens from every major disco.

Airtime & Data

All networks, delivered the moment you confirm.

TV & Utilities

Subscriptions and household bills in one place.

Apply nowApply now
9:41100%

Wallet balance

₦124,500

Fund walletTransfer

Quick pay

Electricity

Prepaid & postpaid

Airtime

All networks

Data

Instant delivery

TV

Subscriptions

Recent

  • Ikeja ElectricPrepaid token₦15,000
  • MTN Airtime080… 9668₦2,000
  • Data bundle10GB · 30 days₦5,000
Apply for a loan
Token delivered
Community members cooking together over open firesFun Food Factory flyer listing food items to be won

Corporate social responsibility

The Fun Food Factory

Play fun games. Win food items.

Gap Castle’s Corporate Social Responsibility programme: food items for members of the public, won through fun games. Registration is free, and we are starting from Lagos.

  1. 1Register for free. Any member of the public aged 18 or above can register below. We are starting from Lagos.
  2. 2Receive your invitation. Participation is strictly by invitation, sent at least 48 hours before the game day with all the details.
  3. 3Come and play. Games hold on a Saturday in Ikeja. Every invited participant receives ₦2,000 towards transport to the venue.
  4. 4Win food items. Up to 10 people win in each game session. You can take part once every quarter.
“Bridging financial gaps — especially in education, travel and small businesses — so our children stay in school, our people travel, and our businesses grow.”

The Gap Castle promise