Empowering Financial Growth for Over 100 Years
At REFCO, we deliver innovative, secure, and tailored financial solutions to help high-net-worth individuals and businesses achieve unparalleled success.
Licensed by
Licensed by
Trusted by Visionaries.
Built on Resilience.
At Royal Exchange Finance Company Limited (REFCO), we bring over a century of financial expertise under the Royal Exchange Group umbrella to deliver premium financial solutions. Our reputation for excellence, innovation, and client-centered strategies makes us the preferred choice for discerning clients.
Experience You Can Trust
Licensed by the Central Bank of Nigeria and SEC, we’ve been a reliable financial partner since 2004.
Comprehensive Solutions
From tailored investment strategies to bespoke loan offerings, we provide a wide array of financial services.
Customer-Centric Approach
Solutions designed to align with your unique financial aspirations.We prioritize open communication and ethical practices
Your Financial Growth, Our Priority
We provide tailored financial solutions designed to meet the unique needs of businesses and individuals. Whether you’re looking for business financing, specialized credit solutions, or investment and advisory services, our expert team ensures your financial goals are met with efficiency and excellence.
Business & Personal Financing
Flexible Funding for Businesses & Individuals
- SME Corporate Loans
- Lease Finance
- Payday Loans
- Traders Finance
Specialized Credit & Financing
Innovative Lending & Asset-Backed Financing
- Equipment Leasing
- Consumer Lending
- Business Finance
- Receivable/Invoice Discounting
- Project & Contract Finance
Investment & Financial Advisory Services
Wealth Management & Strategic Investment
- Financial Advisory & Portfolio Management
- Private Equity & Loan Syndication
- High-Yield Investment Paper (HYIP)
- Royal Investment Note (RIN)
- I-Plan Reserve Investment Account
SME Corporate
SME (Small and Medium Enterprises) corporate loans are specifically designed for small and medium-sized businesses that need capital to expand, invest in assets, or improve operations. These loans are typically more flexible than traditional bank loans and may offer lower interest rates and longer repayment periods. SME corporate loans can be used for various business needs, including working capital, machinery, equipment purchase, or business expansion. They may require collateral or a personal guarantee from the business owner.
Ideal For:
- Customized for small and medium-sized businesses
- Can be used for working capital, asset purchases, or business expansion
- Flexible repayment options
- Competitive interest rates based on the business’s credit profile
- Collateral or personal guarantee may be required
- Small and medium-sized businesses looking for capital to grow or stabilize
- Entrepreneurs seeking financing for expansion, new projects, or business development
Finance Lease
A finance lease is a type of lease agreement that allows businesses or individuals to use an asset (such as machinery, vehicles, or equipment) for a specified period while making regular payments. At the end of the lease term, the lessee often has the option to purchase the asset at a predetermined price. Finance leases are commonly used by businesses to acquire expensive assets without having to pay the full purchase price upfront, thus freeing up capital for other investments.
Ideal For:
- Allows for the use of an asset without the full upfront cost
- The asset is leased for a specified period, with the option to purchase it at the end of the lease
- Regular payments over the lease term
- Typically involves long-term agreements
- Ideal for acquiring expensive equipment or vehicles without taking out a traditional loan
- Businesses that need expensive assets but want to preserve capital for other uses
- Companies that wish to keep equipment or vehicles up-to-date with regular lease renewals
- Individuals or businesses looking for flexible options for asset acquisition
Payday Loan
A payday loan is a short-term loan designed to provide individuals with quick access to funds before their next paycheck. This type of loan is typically used to cover unexpected expenses, such as medical bills, car repairs, or utility bills. Payday loans are usually unsecured, meaning no collateral is required, and they are intended to be paid back in full on the borrower’s next payday. However, payday loans can carry higher interest rates due to their short-term nature and unsecured status.
Ideal For:
- Quick and easy access to cash
- Short repayment period (usually within 30 days)
- Unsecured, meaning no collateral required
- Simple application process, often with minimal documentation
- Can be more expensive due to higher interest rates and fees
- Individuals facing urgent financial needs between pay periods
- People who may not have access to other forms of credit or loans
Traders' Finance
Traders' finance refers to loans specifically tailored to meet the financial needs of individuals or businesses involved in trading goods or services. This type of financing is typically used by traders to manage their working capital, purchase inventory, and meet other operational costs. Traders' finance is essential for businesses that deal with high turnover inventory or seasonal fluctuations in sales. These loans can be secured or unsecured, depending on the terms agreed upon.
Ideal For:
- Custom-tailored for businesses engaged in trading
- Helps manage cash flow, inventory purchases, and operational expenses
- Flexible repayment terms based on the business’s trading cycle
- Can be short-term or medium-term financing
- Often requires proof of trading history and financial stability
- Small or medium-sized businesses involved in retail, wholesale, or other forms of trade
- Traders who need immediate capital for inventory or stock replenishment
Over a Century of Financial Innovation and Leadership
Founded in 1918, Royal Exchange Group has been a cornerstone of Nigeria’s financial sector. REFCO continues this proud legacy, offering cutting-edge financial solutions that drive success. From our licensing by the Central Bank of Nigeria in 2005 to SEC approval in 2017, we have consistently evolved to meet the changing needs of our clients.
Timeline of Key Milestones:
- 2018
- 2017: SEC licensing for expanded services.
- 2005: Licensed by the Central Bank of Nigeria.
- 2004: incorporated as Royal Exchange Finance.
- 1918: Royal Exchange Group began operations in Nigeria.
Plan Smarter, Invest Better
Access our suite of financial tools designed for high-net-worth individuals
Loan Calculators
Determine repayments and interest rates.
Wealth Dashboard
Manage your portfolio with ease.
Trusted by Industry Leaders
Partner with REFCO Today
Join the countless high-net-worth individuals and businesses who trust REFCO to deliver unparalleled financial solutions.
- Trusted Expertise
- High-Return Investments
