About Us
Citi Express Finance Limited is a premier licensed financial services firm headquartered at No 39A Adebisi Oyenola Street, Idado, Lekki, Lagos State. Incorporated in 2018 and fully operational since December 2025, we were established to bridge the gap between financial opportunities and capital needs across Nigeria.
We specialize in delivering flexible, innovative credit facilities, micro-loans, asset financing, and fund placement opportunities tailored to creditworthy individuals, micro-enterprises, SMEs, and corporate entities. Whether empowering business expansion or facilitating capital placement for investors, our core mission is driven by speed, transparency, and dependable financial solutions.
Why Choose Citi Express Finance Limited?
e go beyond traditional lending by offering tailored credit structures designed around your cash flow and growth objectives:
Flexible Repayment Plans: Structured schedules aligned directly with your personal income or business revenue cycle.
Affordable & Fair Interest Rates: Clear, competitive, and negotiable interest rates with zero hidden charges.
Asset & Vehicle Financing Options:
Up to 70% financing for vehicle and equipment acquisition.
Gain access to essential productive assets with minimal upfront capital.
Sale-and-leaseback options that allow you to raise working capital against assets while keeping them in active use.
No ownership risk with complete operational flexibility.
Capital Protection & Risk Mitigation: Comprehensive safety policies and robust risk management plans to safeguard transactions against damage or loss.
Frees Up Working Capital: Preserve operational cash flow so your business can continue to scale seamlessly.
Dedicated Professional Support: Fast application processing and a customer service team committed to personalized support.
Our Core Guiding Principles
Our Value Proposition
"At Citi Express Finance Limited, we believe that access to credit should empower—not burden. Through robust risk mitigation, flexible structures, and unwavering integrity, we serve as the reliable bridge connecting your ambition to actionable financial growth."
· Mission Statement:
"Our mission is to bridge financial gaps by providing fast, flexible credit to creditworthy individuals and businesses, while offering safe, competitive returns to our investment partners."
· Core Values (SPEED):
o S – Speed: Swift approvals and disbursements.
o P – Partnership: Mutual growth for borrowers and investors.
o E – Excellence: Transparent, professional financial services.
o E – Ethics: Zero hidden fees and uncompromising integrity.
o D – Dependability: Consistent support when you need capital most.
1. Integrity
We uphold the highest ethical standards in all our dealings. We build enduring trust through total transparency, clear contractual terms, and honest, open relationships with every client, borrower, and fund partner we serve.
2. Innovation
We embrace cutting-edge financial technology and creative thinking to deliver modern, efficient solutions. By constantly refining our processes, we meet the evolving financial needs of Nigeria’s dynamic, fast-paced economy.
