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01 You Apply
You, a small/micro business owner can apply for a loan by calling the OYA call center or by applying online via our website.
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02 We Assess
Our field team will be dispatched to your place of business and residence to carry out an assessment and determine whether you qualify for the loan
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03 We Approve
The credit review team assesses your loan application and the RDO team’s store review, and approves.
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04 You Get Paid
The loan is disbursed to your bank account, and your loan repayments should also be processed via bank transfer.
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05 We Stay in Touch
Our field team will maintain consistent communication with you during and after the life of your loan to ensure that OYA provides all the resources necessary to keep your business growing.