Four products. One balance sheet. Every working Nigerian.
Global Trust Finance Limited (GTFL) provides consumer loans, auto finance, construction procurement and salary advances. We make the decision. We hold the receivable. We never pass your application to a bank. Founded on a conviction that Africa's financial system could work better for more people, at a larger scale, with greater transparency. We are building the proof.
Everything you need. From one balance sheet.
Your salary. A little earlier.
Employer-payroll integrated. Decision in 15 minutes. Single deduction on payday, no rollovers, no surprises.
Talk to GTFL| Loan Amount | Up to 50% of verified net monthly salary · Max ₦500,000 |
| Tenor | Single payday cycle (1 month) |
| Pricing | Flat fee 5–8% fully disclosed upfront |
| Who Qualifies | Salaried employees of onboarded employers · 3+ months tenure |
| Repayment | Single automatic deduction on payday via payroll API or NIP Direct Debit |
| Application | 100% digital. Decision within 15 minutes. |
| Documents | BVN + NIN + employer payroll consent |
| Disbursement | Direct to borrower's salary account on approval |
Build smarter. Finance directly. Fund diversion architecturally impossible.
₦50M–₦2B. Milestone disbursement direct to your verified supplier or subcontractor, never to the developer account. Every tranche requires a verified construction milestone and a GTFL project-team site visit.
A securitize receivables book from day one.
Every GTFL loan is tagged, tracked, and structured for Asset based securty (ABS) eligibility at origination. Five pools. First rated issuance target: Year 3.
| BUILDA Pool | Construction Loan. Milestone disbursment. Supplier-direct. No fund-diversion risk. |
| ACQUIRE Pool | Consumer & SME asset finance with telematics / asset registry. LTV on fair value. Senior 75% / Mez 15% / Equity 10% |
| DRIVE Pool | Ride-hail / logistics income platform sweep. Platform counterparty risk. Senior 80% / Mez 12% / Equity 8% |
| SALAD Pool | Employer-payroll-backed salary advance. Short-tenor, high-frequency, low expected NPL. |
| Trade Finance Pool | builda.com & GTdirect-embedded supplier credit and invoice discounting. |
| First ABS | Year 3 — USD 200M+ equivalent pool. Agusto & Co + DataPro rated. |
| Target Investors | Nigerian PFAs · IFC · AfDB · FMO · British International Investment · Proparco |
GTH Vision
To be among the top three providers of financial and alternative asset management services in Nigeria and across Africa.
GTH Mission
We are empowering people to live to their full potential through the provision of affordable finance, wealth creation opportunities and information.
The GTH Values — TROPCITES
We publish. We disclose. We explain.
Every person. Every interaction. Without exception.
You own it completely. The win and the loss.
Time is the resource that cannot be recovered.
Is this product genuinely good for the person buying it?
We do what we say. Always.
The group's output exceeds the sum of its parts.
The threshold below which we do not operate.
The value that protects everything else.
GTFL · NON-BANK FINANCE COMPANY · FCCPC DEON
Talk to the GTFL team.
Global Trust Finance Limited is a Global Trust Holdings company. For partnership, investor, or general enquiries, reach us directly or through GTH.