Instant School Loans
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
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.
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.
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.
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.
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.
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.
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
No bank visits. No collateral. No weeks of waiting. Your payment history on FundTrak is your credit score.
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.
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.
Review the terms, accept digitally, and receive funds directly to your FundTrak Wallet or bank account. No branch visits, no physical paperwork.
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
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
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
Eligibility, active loans, repayment history, and health score — all visible from your FundTrak dashboard. No separate app, no extra login.
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.
Track your active loan balance, amount repaid, remaining balance, and next deduction date. All in one view — no digging through statements.
Complete log of every deduction — date, amount, source fee payment, and running balance. Exportable as PDF or Excel for your records.
A simple score showing your school's borrowing health. Tracks repayment consistency, collection rate, and platform activity. Higher scores unlock better terms.
Real-time tracking of loan disbursement — from approval to processing to funds in your account. Get notified at every stage via WhatsApp or email.
Instant capital backed by your payment history. No collateral, no paperwork, automatic repayment from fees.