Transparent, collateral-backed loans at a 10–15% flat monthly rate. We accept cars, gold, and laptops — with same-day evaluation and funding straight to your bank account.
Short-term capital handled the way it should be — priced openly, decided quickly, and secured properly.
A fully licensed money lender operating in compliance with FCT authorities.
Visit us in Apo, Abuja for in-person verification and support — we are not a faceless app.
Verification, valuation, and disbursement are usually completed within a single working day.
A flat monthly rate agreed upfront — no hidden fees, no compounding, no surprises.
Your collateral is insured and stored in our monitored, on-site facilities.
A manageable 30-day term, with renewal available on request before your due date.
Collateral-backed loans for individuals, and guarantor-backed working capital for businesses.
NewWorking capital for verified business owners
A ₦500,000 capital injection with no physical collateral — backed by a verified market-shop guarantor and repayable over 6 months. Built for shop owners, vendors, and service businesses ready to scale.
From the first form to money in your account — here is exactly what happens, and when.
Submit the short form with your basic details, ID, and collateral information.
We dispatch an expert for physical inspection. The ₦10,000 fee covers their travel and time, and is deducted from your loan — never paid upfront.
Sign the loan agreement and we transfer the funds directly to your bank account.
Repay within 30 days to reclaim your asset. Renewal requests are considered before your due date.
Four figures decide what a Surge loan costs you. There is no fifth one hidden in the paperwork.
10–15%
Flat for the 30-day term, set by the rate card below. Never compounded.
Up to 60%
Of your asset's verified market value, confirmed at inspection.
₦10,000
Deducted from your loan on approval, never paid upfront. Waived on loans of ₦1,000,000 and above.
None
No late charges on collateral loans — your collateral secures the debt.
Tell us what you're borrowing against and we'll work out your rate.
You are borrowing 42% of its value — a lower share earns a lower rate.
An estimate. Your final rate is confirmed at inspection, and always falls between 10% and 15%.
No upfront payment. The inspection fee is deducted from your loan on approval — and waived on loans of ₦1,000,000 and above.
Your rate is calculated, not negotiated — every borrower is priced on the same card. It starts with what you're borrowing against, then moves with your cushion and your history.
Starting rate by collateral
Holds its value and sells quickly
Depreciates slowly, with a real resale market
Depreciates fast, narrower resale market
Priced once we've seen it — most items land in the middle two bands
We price by how an asset behaves, not by what it is called: how well it holds its value, and how easily it can be sold if a loan is not repaid.
What moves it
Our lowest rate of 10% is earned, not asked for — it takes low-risk collateral, a small loan-to-value, and a loan you've already repaid on time. Every rate stays between 10% and 15%.
Business owners and individuals across Abuja, in their own words.
“I was sceptical about leaving my MacBook, but the secure storage at their office convinced me. The process was fast — I walked out with cash in under 45 minutes.”
“What stood out was the transparency. The 15% rate was exactly as advertised. Visiting the Apo office gave me peace of mind that I was dealing with a legitimate company.”
“I needed emergency funds but didn't want to sell my jewellery. Surge offered a fair valuation and total privacy. Repaying and retrieving my items was seamless.”
Renewal and refinancing exist so a short delay never becomes a lost asset. Both are designed to be predictable.
After paying the interest due, you may request an additional 30-day term.
Borrowers in good standing can apply to refinance, subject to re-valuation and eligibility.
Every fee and interest charge on a renewal is disclosed before you sign.
Contact us before your original due date.
Settle the flat interest for the current 30-day term.
Sign the updated agreement for the new term.
Your loan extends and your collateral stays secured.
You can renew by paying the interest for another 30 days. After 3 renewals, you will need to pay down at least 25% of the principal to renew again — this keeps the loan from growing endlessly and saves you money.
We do not charge late fees. However, if a loan is not renewed or settled by the due date it may enter default and recovery on your collateral may begin — so please talk to us proactively.
Talk to a loan officerHave these five things ready and the process moves in a single visit.
A one-minute preliminary check tells you where you stand. It does not affect your credit score and commits you to nothing.
Takes about a minute · No credit impact
Handing over an asset requires trust. Here is precisely how we hold up our end of it — insured, monitored, and documented from the day you sign.
Gold and laptops are held in our on-site, insured, and monitored vault for the full loan term.
Vehicles sit in a covered, monitored facility. We document condition and mileage on receipt so it is returned exactly as it arrived.
Every asset is documented and you receive a detailed agreement. You warrant unencumbered ownership; we handle the legalities.
The things people ask us most often, answered plainly.
Come in for verification, valuation, or simply to ask questions face to face.
Apply today and get a fast decision on your 30-day collateral loan. Use your car, gold, or laptop as collateral.
Licensed money lender in Abuja, FCT · Surge Global Resources (RC 1687675)
