OnAfrica's PACT programme is built for Nigerian startups that already earn revenue and need fast, short-cycle capital to grow, without the heavy dilution of a traditional round.
Apply to be assessedWe’re starting with Nigerian startups operating in Nigeria.
Banks ask for collateral that growing startups don't have. Equity rounds are slow, and they cost you a large share of the company you've built. Meanwhile your real revenue, the contracts, receivables, and recurring income already moving through your business, stays invisible to the people who could fund it. PACT was built to close that gap.
PACT (Proprietary African Credit & Trust) is OnAfrica's financing approach for revenue-generating startups. Instead of a large equity round, qualifying founders may access short funding cycles, typically 90 to 180 days, structured against their revenue and receivables. The cost of capital is a small, transparent slice of equity, far less than a traditional round would take, allocated at a valuation agreed with you. You get the capital your business needs now, and you keep most of your ownership.
Funding designed in 90–180 day cycles, matched to your revenue rhythm.
A small, transparent cost of capital, a fraction of what a raise would cost in equity.
Built for businesses with real income, contracts, and receivables today.
PACT is designed for a specific kind of business. You're likely a strong fit if:
This pilot is open to startups registered in Nigeria and operating in the Nigerian market.
You have live, recurring revenue, not just a product idea or a pre-launch waitlist.
You have invoices, purchase orders, enterprise or government contracts, or recurring B2B income that capital can be structured against.
You need capital to fulfil an order, bridge a revenue cycle, or activate growth you can already see.
Technology is core to how you deliver and compete, not a thin layer on a traditional business.
The people to deploy the capital well and repay within a short cycle.
If that sounds like your business, we'd like to hear from you.
Tell us about your revenue, receivables, and what you need the capital for. A few minutes is enough to start.
Our team reviews your business against the PACT criteria. If it's a fit, we'll take you through the details.
If selected, capital is structured in a short cycle, typically 90 to 180 days, around your revenue.
Founders who perform can access simpler, faster repeat cycles over time as a documented history builds.
A traditional round can cost you a large share of your company for capital you needed at a single moment in time. PACT is designed to do the opposite: meet a short-term need for a small, transparent cost of capital, so the ownership you've worked to build stays, overwhelmingly, with you. Less dilution. Faster cycles. Ownership that stays yours.
OnAfrica is built on the Startupbootcamp AfriTech ecosystem, capital, mentorship, and networks that help founders put capital to work well.
building with African founders
startups accelerated through Startupbootcamp AfriTech
in follow-on funding raised by portfolio companies
of alumni still operating and scaling
Tell us about your business. Every application is reviewed confidentially by our team. Applying is not an offer of finance, it's the first step in our assessment.
Confidential. No obligation. We'll be in touch if your business is a fit.