Community Financing for Micro Traders in Africa

How it Works

Get Access To A Loan In 3 Simple Steps

  • Apply

    Join a cluster and get started with the loan application

  • Process

    We quickly go through your application and process your requested loan amount

  • Approved

    Get instant access to your approved loan




10 States


Why Choose COTRUST?

Loan Money Without stress, No hidden charges!

Substitute Data

We are challenging conventional credit scoring methods that disqualifies micro traders from accessing finance.

Shared Cluster Liability

We operate a one for all system within the clusters, building collective responsibility among the members.

Local Access

Our cluster system brings businesses in rural and semi-urban communities within a close radius together.

Get A More Personalised Experience On Our Mobile App

Our Success Stories

Here’s What Our Beloved Users Say About Us

The best thing about being a CoTrust client for me is that the interest rate is low and there are no hidden charges and fees. You only pay what you borrow plus interest. Their process is so transparent.
Udu Roli
As a small business I needed all the support I could get, and CoTrust came in at the right time. They don’t ask for requirements that I don’t have. The cluster community I joined vouched for my business and I got the loan.
Tosan Oghogho
Time is money for my kind of business, buying palm oil in bulk and retailing. I needed money urgently and was referred to CoTrust and within 6 hours I had the money in my account.
Mama Eguono

At COTRUST, our goal is to empower over a 40million African businesses with the finance to scale their businesses.

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