B2B · Borrower readiness
Borrower Readiness Programs for lenders
Many defaults on small loans are not caused by bad intent — they are caused by borrowers who did not fully understand the loan they took. We help lenders close that understanding gap before disbursement.
The problem
Lenders underwriting thin-file borrowers — people with little or no credit history — routinely lose a meaningful share of their portfolio to non-performing loans (NPLs). Experience in the market suggests losses often run in the region of 15–25% on such thin-file books. A large part of that loss traces back to borrowers who did not understand their repayment obligation: they underestimated the cost, missed the instalment date, or took on more than they could repay.
Lowering NPLs means improving the borrower’s readiness, not just their credit score.
What we offer
Ranked Technologies runs structured borrower-education programs delivered over WhatsApp, in the languages your borrowers actually speak. Our modules cover the fundamentals that prevent default:
- Reading and understanding a loan agreement.
- Working out the true total cost before accepting.
- Planning repayment and budgeting the instalment.
- What to do if repayment becomes difficult — before it becomes a default.
- Avoiding the multiple-loans debt trap.
Delivery and measurement
- Languages: English, Pidgin, Hausa and Yoruba — so participation is not a barrier.
- Infrastructure: delivered through Ranked Technologies’ panel infrastructure (9jatesters.com), with a panel of 467 verified Nigerians.
- Measurement: we track completion and comprehension, so you can see how many borrowers actually understood the material — and connect that to loan performance.
Talk to us
We’ll discuss your portfolio, your thin-file borrowers, and whether a borrower-readiness program fits. No pricing is listed here — email us and we will take it from there.
Email support@ranked.ngA word on our values
Education that merely pushes borrowers to accept loans they cannot afford helps no one. Our programs are built to protect borrowers’ interests too — a borrower who understands the loan and can repay it is good for the borrower, good for the lender, and good for lending overall. That alignment is what makes borrower readiness worth investing in.
About the operator
Ranked Technologies Ltd (RC 9522220) is the company behind microloans.ng — an independent informational resource that never lends and never collects loan applications. Read more on our about page. For lenders, our public directory and guides give you a clear sense of the standards shoppers are being taught to expect.