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Bloom · business credit

Credit for the shop you already run.

Bloom is collateral-free credit for women running small businesses. Salons, food stalls, tailoring, shops. Three-month terms, weekly repayments, transparent fees.

01 / Who Bloom is for

Women who already run the small businesses keeping the street alive.

  • Hairdressers
  • Food vendors
  • Seamstresses
  • Shop owners
  • Tailors
  • Caterers
  • Beauty supply
  • Provisions
  • Pharmacies
  • Phone repair

02 / The terms, in the open

No hidden anything.

Loan size

₵1,000 – 20,000

Scales with repayment history.

Tenure

4 months

Renew with a clean record.

03 / How it works

Six steps from first email to renewal.

  1. You apply

    Email us, or fill the form below. We log the request and a Loan Officer writes back the same working day.

  2. We come and see

    A Loan Officer visits your storefront, verifies the business, and meets your guarantor. Usually within 48 hours.

  3. We assess

    Cash-flow-based underwriting. We look at how the business actually moves money, not whether you own a house.

  4. Money lands

    Disbursed to mobile money the same day approval clears. Bank transfer is also available.

  5. You repay

    We agree the schedule with you in writing before any money moves. Mobile money is the default; your Loan Officer can also collect in person.

  6. You renew

    A clean repayment earns a larger loan on better terms the next time. The relationship compounds.

04 / What you need

Three things, plainly.

  1. 01

    A physical storefront.

    We come to you, and you come to us. The location anchors the loan and the relationship.

  2. 02

    A guarantor.

    One person who knows your business and is willing to vouch for you in writing.

  3. 03

    Basic business information.

    What you sell, how long you've been at it, a rough sense of weekly revenue. We'll walk you through it.

05 / Talk to a real person

Email us, and a real person reads it.

The fastest way to find out if Bloom is right for your business is to write to the team. Tell us what you sell and roughly what you need. We'll come back with the next step, usually within a working day.

Write tohello@gayacredit.com
Email Bloom team

06 / Before you write

Questions people ask about Bloom.

  • What if I can't repay on time?

    Email your Loan Officer before the payment is due. We restructure once for a real reason; we don't penalise you for telling us early. We do penalise silence.

  • How fast does the money arrive?

    Same working day approval clears. Most borrowers go from first email to mobile-money disbursement inside 48 hours.

  • What about fees?

    Anything that applies to your loan is shown to you in writing before you sign. The full list lives in your offer letter, not on a marketing page.

    No application fees. No fees for asking us a question.

  • What happens at the end of the tenure?

    If you've repaid cleanly, you qualify for a renewal at a larger loan size on better terms. If you'd rather close the book and come back later, that is also fine.