Sycamore - Save Invest Borrow

Sycamore –Save Invest Borrow

Sycamore is a secure all-in-one fintech app that helps you access credit, save consistently, invest wisely, and manage everyday payments—all from one platform.
Designed for individuals and businesses in Nigeria, Sycamore gives you the tools to take control of your finances with transparency, flexibility, and security.

Quick & Flexible Loans
Access personal and business loans with a simple application process and transparent terms.

Whether you need funds for emergencies, rent, school fees, or business growth, Sycamore makes borrowing easier.

Loan Features
- Loan amounts from ₦100,000 – ₦100,000,000
- Flexible repayment plans (3 – 24 months)
- Competitive interest rates starting from 2.3% monthly
- Processed under 5 hours (subject to eligibility and verification)
- Secure and simple application process

Loan Types
Salary Loans
For salaried employees who need quick access to funds for personal needs.

Business Loans
For registered Nigerian businesses seeking working capital and growth funding.

Loan Terms & Transparency
- APR range: 27.6% – 72% annually (depending on user profile and loan terms)
- Loan tenure: 3 – 24 months
- Approval: Subject to eligibility, verification, and risk assessment
- No hidden fees

Representative Example
Loan Amount: ₦1,000,000
Tenor: 12 months
Monthly Interest Rate: 3%
APR: 36%
Total Repayment: ₦1,360,000

Save Smarter with High-Interest Savings
Build better financial habits with flexible and automated savings options.

Savings Features
- Create goal-based savings plans (rent, travel, gadgets, etc.)
- Automate deposits and consistently
- Access fixed and flexible savings options
- Earn competitive interest rates (up to 20% annually)

Invest & Grow Your Wealth
Access curated investment opportunities designed to help you grow your money over time.

Investment Features
- Start investing from ₦100,000
- Earn competitive returns (up to 25% annually)
- Access fixed income and structured investment products
- Diversify your portfolio with professionally managed options

Enhanced Dollar Investment (EDI)
- Invest from as low as $5
- Earn returns in USD (up to 8% annually)
- Hedge against currency fluctuations

Disclaimer: Investments carry risk. Returns are not guaranteed and may vary based on market conditions.

Send Money & Pay Bills Easily
Sycamore also works as a digital banking app for your everyday transactions.
- Transfer money securely and instantly
- Buy airtime and data
- Pay electricity and cable TV bills
- Buy e-sims so you can travel without worries and gift vouchers from popular brands you use like Netflix, Apple etc.
- Manage daily financial activities

Safe, Licensed & Trusted
Your security and trust are our priority. Operated by Sycamore Integrated Solutions Limited. Investments managed by SEC-licensed Sycamore Investment & Asset Management Limited (SIML). Banking services provided by a CBN-licensed microfinance bank. Deposits insured by NDIC

Loan Requirements

To apply for a loan, you may need:
- Valid government-issued ID
- BVN and NIN
- Bank statement (up to 6 months)
- Proof of employment (for salary loans)
- Utility bill
- Debit card or direct debit mandate for repayment setup

Requirements may vary based on loan type and user profile.

Privacy & Data Protection
We are committed to protecting your data.

Sycamore may request access to certain device information (such as device data and financial details) strictly for:
- Identity verification
- Fraud prevention
- Credit assessment
All user data is encrypted and securely stored. Your information is never shared without your consent.

Learn more:
sycamore.ng/privacy

Contact Us
Our support team is here to help.
0201-700-3497
complaints@sycamore.ng