Financial Products

STRUCTURED CAPITAL FACILITIES

Loans

Providing reliable credit solutions designed to empower Nigerian enterprises, salary earners, and government contractors with rapid liquidity.

SME Business Loans

Salary Loans

Invoice Discounting

Our flagship product. GRIL provides trade capital to registered SMEs, particularly wholesale importers and distributors, ranging from N500,000 to N10,000,000 for a maximum tenor of six months.

Short-term personal loans for confirmed salary earners seeking to bridge financial gaps, fund personal projects, or manage unexpected expenses.

GRIL advances funds against verified outstanding invoices, enabling businesses to unlock liquidity trapped in unpaid receivables. This is particularly valuable for suppliers to large corporations or government ministries where payment cycles can be extended.

₦500k – ₦10M

Max 6-Month Tenor

Rapid Bridge

Confirmed Salary Earners

Contract Capital

Corporate & Govt Orders

LPO Finance

Financing for businesses holding Local Purchase Orders (LPOs) from credible corporate or government entities, enabling contract execution without liquidity bottlenecks.

EXPANDED CAPITAL CAPACITY

FINANCIAL ADVISORY & BROKERAGE SERVICES

Unlocking high-volume institutional funding and structured real estate acquisition solutions through our strategic network of tier-one commercial banks and licensed mortgage institutions.

LARGE-SCALE FACILITATION

REAL ESTATE CAPITAL

Credit Brokerage

Mortgage Facilitation

₦1B+

Facility Upper Limit

GRIL leverages strategic partnerships with major commercial banks and licensed finance houses to assist corporate and high-net-worth clients in securing facilities far exceeding our direct lending capacity.

Streamlining residential and commercial property acquisition across Nigeria for resident citizens and diaspora investors through premier mortgage banks and commercial lenders.

Full end-to-end facilitation: complete documentation prep, bank negotiations, and structured draw-down support tailored for corporate growth.

We handle institutional coordination to ensure seamless property financing.

STRUCTURED RETURNS

GRIL accepts fixed-tenor deposits from investors looking for a structured and competitive return, providing the liability base to fund the company's loan operations.

INVESTMENT PRODUCTS

90 DAYS

Minimum Tenor

180 DAYS

Standard Tenor

365 DAYS

Maximum Tenor

"[Client Testimonial: Golden Ruby provided prompt SME working capital that enabled us to fulfill critical LPO orders smoothly.]"

[Client Name]

"[Client Testimonial: Their structured invoice discounting solution boosted our liquidity with total transparency and efficiency.]"

[Client]