iNTIME embeds structured credit at fuel stations, EV charging points, CNG stations, and repair workshops so individual drivers keep moving and corporate fleets stay productive, every single day.
Fill your tank today. Repay in 30-45 days automatically from salary. No cash, no guarantor.
Breakdowns do not stop income. We cover the bill at our verified mechanic network.
No bureau history needed to start. Every repayment grows your limit cycle by cycle.
Structured credit lines for 10 to 500+ vehicles. Scale as your fleet grows.
Real-time fuel spend, repair costs, and repayments across your full operation.
Mobility benefits linked directly to payroll. Zero admin overhead for HR teams.
Across Nigeria and Africa, millions rely on their vehicle to earn. Fuel and repair costs hit daily, while income arrives monthly. The gap costs billions in lost productivity every year and no existing financial system is built to bridge it.
iNTIME is not a bank. It is not a lending app. It is a credit infrastructure layer embedded directly inside mobility workflows at the fuel pump, the charging station, the CNG point, and the repair bay. We serve individuals and businesses with the same seamless experience.
Access credit at our 40+ partner stations including petrol, CNG, and EV charging. Fill up and repay in 30-45 days structured around your income cycle.
Vehicle breakdowns covered upfront across 50+ verified workshops and mobile mechanics. Keep earning while we handle the bill for both individuals and fleets.
Bulk credit facilities for corporate fleets and logistics operators. Dashboard visibility, payroll-linked repayment, and structured reconciliation for finance teams.
Register on mobile. Instant credit decision based on salary, employment, and behavioural data. No bank history required.
Show your iNTIME credit at any of our 40+ fuel stations, CNG points, EV chargers, or 50+ workshops across Lagos.
iNTIME pays the station or workshop directly. No cash changes hands. The vehicle is fuelled or repaired immediately.
Auto-debit aligned to salary date. On-time repayment builds your credit limit with every cycle completed.
If your vehicle is how you earn, a breakdown or empty tank is a financial emergency. iNTIME turns that emergency into a non-event.
Access credit at 40+ partner stations. Repay in 30-45 days automatically. No cash, no guarantor, no branch visit.
We cover repair costs at our verified mechanic network. The mechanic gets paid by us. You keep driving.
No credit bureau history required to start. Every successful repayment builds your profile and increases your limit.
Every day a vehicle is off the road is a day of lost revenue. iNTIME gives fleet operators structured credit with real-time oversight so operations never stop.
Structured facilities for 10-500+ vehicles. Scale credit as your fleet grows.
Real-time fuel spend, repair costs, and repayment status across your full operation.
Mobility benefits for employees linked directly to payroll deduction. Zero admin.
Credit works across petrol, CNG, and EV charging as fleets transition to cleaner fuel.
Repayments structured against revenue cycles. No manual follow-up needed.
Detailed statements and credit reports for finance teams and auditors.
Our 40+ fuel and CNG stations and 50+ verified workshops are formal partnerships built over years operating in Lagos's mobility ecosystem. This network took a decade to build and is not easily replicated.
"The moat is not technology. It is operational embeddedness in mobility workflows. We hold the data layer and the merchant relationships that others simply do not have."
At just 1% penetration of Nigeria's 12 million vehicle market where each vehicle spends N80,000 to N150,000 monthly on fuel and maintenance, iNTIME generates N144B annually. This is the conservative Nigeria-only B2C case. Africa-wide with B2B fleet contracts the trajectory is multi-billion dollars.
500-1,000 salaried users. Pilot in Lagos. Proving repayment behaviour, repeat usage, and unit economics before scaling.
1,000-5,000 users plus first corporate fleet contracts. B2B drives larger tickets, lower acquisition cost, and faster revenue compounding.
5,000-10,000 users. Structured debt facility. Data API monetisation. Entry into Ghana, Kenya, and South Africa markets.
Operator-turned-founder with 10+ years bridging Africa's mobility gaps through hands-on operations, strategic partnerships, and structured growth. He is not theorising about the problem. He has lived and operated inside it for over a decade.
10+ years running mobility businesses in Lagos. Every product decision comes from real market experience, not assumption.
Existing relationships with merchants, fleet operators, and mobility platforms mean no cold start. Distribution is already built.
Credit designed for exactly where and how mobility workers operate, not adapted from a generic consumer lending product.
The vision is Africa's default mobility credit infrastructure, a platform other fintechs, lenders, and operators will build on top of.
Join the pre-seed round as an equity investor. Own a stake in the infrastructure layer that will keep Africa moving for decades. Open to individual investors, family offices, and institutions.
We believe Nigerians should own a piece of the infrastructure they depend on. We are exploring equity crowdfunding to open this round to everyday investors and the diaspora.
Fuel stations, CNG stations, EV charging points, and auto workshops: join our merchant network. Get paid instantly when our users fuel or repair with you. Zero onboarding fees.
Whether you want to invest, partner, list your station, or simply understand the opportunity, reach out. We move fast.
Pick your path below and we will respond within 24 hours.