Help to open, yours to run
A field officer or cooperative can help capture your details. But you set your own PIN, complete your own identity step, and keep your own credentials. Nobody else does.
Sage Productive Finance
Finance for the people who make things.
Processors, farmers, fabricators and cooperative members need finance linked to real work — and a bank that explains every naira owed. Sage Productive Finance is being designed with field officers, cooperatives and equipment partners, and rolled out in controlled pilots.
Our principles
You stay in control. Always.
See your asset and your schedule
The equipment financed, the supplier, the facility amount, what you've paid, what's next and the date it's due — in plain language, on a simple screen.
Repayments you agree to
Where repayments are collected from your sales or cooperative inflows, it's with your consent — and you always have a manual way to pay if you withdraw it.
Built for real conditions
Simple, accessible, works when signal doesn't.
- Low-bandwidth friendly screens that hold up on patchy connections.
- USSD access (planned). Check your balance and repayment due date from any phone, with no smartphone or data needed.
- Direct-debit repayments (planned). Only with your agreed consent, with a manual way to pay always available.
- Cooperative privacy. You see your own position and only the group figures you're entitled to.
- Notifications for every collection, so nothing is a surprise.
- Responsible pace. We grow this only as fast as we can support customers properly.
Pilot programme. Productive Finance is planned for controlled pilots after our core personal and business products are stable. If you're a cooperative, equipment supplier or development-finance programme and want to explore working together, talk to our partnerships team.
Be first through the door.
Join early access and we'll tell you the moment Sage opens in Abuja — plus first look at the app. No spam, and no commitment to open an account.