Our Product Suite
Two Vaults. One Mandate.
Financing built for Nigeria's creative economy, structured as two distinct product suites, each answering a different financial question.
One Brand. Three Tiers. One Growth Journey.
CreativeVault meets the creative economy borrower wherever they are, and grows with them.
CreativeSpark
Individual creatives and freelancers
≈ 48% per year
- Amount
- ₦50,000 – ₦1,000,000
- Tenure
- 3 – 12 months
- Management fee
- 1% flat, one time
- Collateral
- Unsecured; small cash contribution; one guarantor
- Underwriting
- The CreativeVault Score
CreativeThrive
Registered small creative businesses
≈ 45% per year
- Amount
- ₦1,000,001 – ₦15,000,000
- Tenure
- 6 – 12 months
- Management fee
- 1% flat, one time
- Collateral
- Claim over equipment or receivables; modest cash contribution; collateral registration at actual cost
- Underwriting
- Cash flow and contracts
CreativeSummit
Established studios, labels, and houses
≈ 42% per year
- Amount
- ₦15,000,001 – ₦100,000,000
- Tenure
- 6 – 12 months
- Management fee
- 1% flat, one time
- Collateral
- Formal mortgage or debenture; corporate guarantee; legal and perfection costs at actual cost
- Underwriting
- Audited accounts and agreements
| Feature | CreativeSpark MICRO | CreativeThrive MINI | CreativeSummit MEDIUM |
|---|---|---|---|
| Interest Rate | 4.0%per month, reducing balance | 3.75%per month, reducing balance | 3.5%per month, reducing balance |
| Annual Rate (approx.) | 48%per year | 45%per year | 42%per year |
| Facility Amount | ₦50,000 – ₦1,000,000 | ₦1,000,001 – ₦15,000,000 | ₦15,000,001 – ₦100,000,000 |
| Tenure | 3 – 12 months | 6 – 12 months | 6 – 12 months |
| Management Fee | 1% flat, one time | 1% flat, one time | 1% flat, one time |
| Other Charges | None | Collateral registration, at actual cost | Legal and perfection costs, at actual cost |
| Collateral | Unsecured; small cash contribution; one guarantor | Claim over equipment or receivables; modest cash contribution | Formal mortgage or debenture; corporate guarantee |
| Underwriting Standard | The CreativeVault Score | Cash flow and contracts | Audited accounts and agreements |
Late payment charge: up to 1% flat per month on the overdue amount.
Rates set by Hibiscus Finance Company Limited. Fee structure aligned with the Board Approved Lending and Approval Limit Matrix and market practice among Nigerian licensed lenders. CreativeVault interest is charged monthly on a reducing balance, so you pay interest only on what you still owe. All facilities are subject to credit assessment, eligibility, and formal offer.
Built on the Gap, Not the Balance Sheet.
TradeVault is not sized to who a business is. It is sized to a payment gap it can already prove, the space between finishing work and being paid for it.
Purchase Order Financing
An advance against a purchase order you have already signed, so you can deliver a confirmed order without funding the whole production yourself first.
- Advance Rate
- Up to 60% of the purchase order value
- Interest Rate
- 3.5% per month up to 60 days; 3.75% per month for 61 to 90 days, charged daily (approx. 42% to 45% per year)
- Management Fee
- 1% flat, one time
- Tenure
- 45 – 90 days
- Security
- Assignment of the purchase order and its proceeds
Invoice Discounting
An advance against an invoice you have already issued, so you are not waiting on your client's payment terms to cover your own costs.
- Advance Rate
- Up to 65% of the invoice value
- Interest Rate
- 3.5% per month up to 60 days; 3.75% per month for 61 to 120 days, charged daily (approx. 42% to 45% per year)
- Management Fee
- 1% flat, one time
- Tenure
- 30 – 120 days
- Security
- Assignment of the invoice and its proceeds
Debt Factoring
We buy an invoice you have issued. Your client pays Hibiscus Finance directly and we take on the work and risk of collecting, so you are paid now and your balance follows when the invoice settles.
- Advance Rate
- Up to 50% of the invoice value
- Interest Rate
- 3.75% to 4.25% per month by debtor grade, on the amount advanced, charged daily (approx. 45% to 51% per year)
- Management Fee
- 1% flat, one time
- Amount
- ₦500,000 – ₦20,000,000
- Tenure
- 30 – 90 days
- How it works
- Your client is notified and pays Hibiscus Finance. We remit the balance to you, less charges. You buy the invoice back only if your client disputes it.
Who Qualifies for TradeVault
| Feature | Purchase Order Financing | Invoice Discounting | Debt Factoring |
|---|---|---|---|
| Advance Rate | 60%of purchase order value | 65%of invoice value | 50%of invoice value |
| Interest Rate | From 3.5%per month, charged daily | From 3.5%per month, charged daily | 3.75% to 4.25%per month, charged daily |
| Annual Rate (approx.) | 42% to 45%per year | 42% to 45%per year | 45% to 51%per year |
| Management Fee | 1% flat, one time | 1% flat, one time | 1% flat, one time |
| Tenure | 45 – 90 days | 30 – 120 days | 30 – 90 days |
| Security | Assignment of the PO and its proceeds | Assignment of the invoice and its proceeds | Notified assignment; your client pays Hibiscus Finance directly |
Late payment charge: up to 1% flat per month on the overdue amount.
TradeVault interest is charged daily on the amount advanced, so you pay only for the days your money is outstanding. Advance rates reflect the risk of each instrument. A one-off 1% management fee applies across all TradeVault products. Facilities of 61 days and over are priced at 3.75% per month. All facilities subject to credit assessment and eligibility.
Funded in Stages. Repaid from the Production Itself.
Staged funding for a confirmed production, repaid from its own income through a dedicated project account. Money goes out as the work is done, and you pay interest only on what you have drawn.
Milestone drawdowns
Funds are released in up to four tranches as your production reaches each stage, so a delay never leaves you paying for money you are not yet using.
Repayment follows your cash
Creative income arrives in lumps. Receipts into the project account repay the facility as they land, with no fixed calendar instalments.
Full transparency
Every receipt is applied in a set order: statutory deductions, the collections fee, any penalties, other fees, interest, then principal. Your balance is released to you within 2 working days, with a statement of every naira.
| Feature | Terms |
|---|---|
| Facility Amount | ₦5,000,000 – ₦50,000,000 |
| Tenure | 90 – 365 days, with one 90-day extension available |
| Advance | Up to 60% of confirmed contracted income, and no more than 50% of the approved production budget |
| Your Contribution | At least 20% of the production budget |
| Drawdown | Up to four milestone tranches: pre-production, start of production, wrap, and post-production and delivery |
| Interest Rate | 3.75%per month (approx. 45% per year), charged daily on the drawn balance only |
| Repayment | No fixed instalments. Receipts are swept from the project account as they arrive, with any balance due at maturity. Early repayment is free. |
| Management Fee | 1% of the amount disbursed, one time |
| Other Fees | Extension fee 0.5% of the outstanding balance |
| Collections Fee | Charged on cumulative collections per project: 1.5% on the first ₦50,000,000; 1.0% from ₦50,000,001 to ₦200,000,000; 0.75% from ₦200,000,001 to ₦500,000,000; 0.5% above ₦500,000,000; minimum ₦750,000 per project |
| Security | Assignment of income and rights; lien on the project account; lead producer guarantee; insurance naming Hibiscus Finance as loss payee |
| Eligibility | At least one completed and released production |
| Reporting | Monthly production and cost report; you receive a statement of every receipt and deduction |
Late payment charge: up to 1% flat per month on the overdue amount.
Collections-only service: a project account and collections administration are also available without a loan. All facilities are subject to credit assessment, verification of contracted income, and approval by Hibiscus Finance Company Limited.
Why It Works
Two Vaults, Working as One Portfolio
Every borrower has a next step
A CreativeSpark client who repays well moves into CreativeThrive. A growing CreativeThrive business becomes tomorrow's CreativeSummit client. Growth is designed in, not left to chance.
TradeVault keeps the whole suite moving
While CreativeVault finances growth, TradeVault covers the everyday timing gap that could otherwise stall a good business between contracts.
One relationship, not seven separate lenders
A client can hold a CreativeVault facility and a TradeVault facility at the same time, with one relationship manager who understands their whole business.
Reach
Built Across the Whole Creative Economy
Every tier of CreativeVault and every product in TradeVault reaches across all five creative sub-sectors. Nothing is sector-limited.
Ready to Start?
Talk to a Creative Finance Specialist
Our team will help you identify the right vault, the right tier, and the right product for your situation, and guide you through the application.
All facilities are subject to credit assessment, satisfactory documentation, verification of the underlying transaction, applicable internal limits, and approval by Hibiscus Finance Company Limited. Published advance rates, pricing, fees, and tenors are indicative and may vary based on transaction risk, obligor quality, documentation, and prevailing regulatory requirements.