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NSL: Your Sustainable
Growth Partner

About NSL

At NSL, we are committed to responsible and sustainable lending practices that benefit both our clients and the communities in which we operate.
We offer a range of financial products and services based on risk- and profit-sharing, fixed prepayment rates, transparency and other such Islamic finance principles.
Our knowledgeable and dedicated staff support our clients on their financial journeys to help achieve their goals.
We are proud to play a role in promoting financial inclusion and economic development.
Learn what we do

Vision

A financially independent society built on the principles of compassion and equity.

Mission

To empower underserved individuals and businesses by providing accessible, ethical, and sustainable financial services in accordance with Islamic finance principles.

Core Values

  • Ihsan - Literally meaning “to do beautiful things” such that in every action taken, one strives to achieve excellence.
  • Ethics - We operate with integrity and transparency, adhering to the principles of Islamic finance and promoting responsible lending practices.
  • Empowerment - We aim to empower our clients by providing them with the tools and resources they need to achieve their financial goals and improve their lives.
  • Our Services

    We believe that everyone deserves access to responsible and ethical financing solutions, and our commitment to the principles of Islamic finance ensure this.
    Our team of experts will work with you to understand your financing needs and to structure a transaction that meets your specific requirements. We will also help you determine a reasonable payment rate and structure a payment plan that fits your budget.
    The following are NSL financial services. Each can either operate individually or be combined with other contracts to create hybrid instruments.

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    3.1 Asset Finance (Murabaha)

    This mode of financing allows you to purchase the asset you need, such as a car, home, or equipment, with a profit markup that is agreed upon by both parties.

    You will know the exact cost of the asset you are purchasing, including the profit markup, and you will have the peace of mind that comes with a transparent and easily understandable financing solution.
    Whether you are a business owner looking to finance equipment or a consumer looking to purchase a car or home, our Murabaha financing is a flexible and affordable solution that meets your needs.

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    3.2 Leasing (Ijarah)

    This financing allows you to acquire the asset you need, such as a car, home, or equipment, by paying periodic rental payments. You will have the use of the asset for a specified period of time, without having to pay the full purchase price upfront. This allows you to acquire the asset you need while preserving your capital for other investments.

    Whether you are a business owner looking to finance equipment or a consumer looking to purchase a car or home, our Ijarah financing is a flexible and affordable solution that meets your needs.

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    3.3 Bid Bonds

    Bid bonds are financial guarantees used in the bidding process for construction projects, procurement contracts, and other types of contracts.

    At NSL, we offer comprehensive bid bond solutions to meet the needs of contractors, owners, and other participants in the bidding process.

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    3.4 LPO Finance

    Local purchase order (LPO) is a legally binding document that outlines the terms and conditions of a purchase transaction between a buyer and a supplier. An LPO typically includes details such as the type and quantity of goods or services being purchased, the price, delivery date, and payment terms.

    At NSL, we offer local purchase order (LPO) services to meet the needs of businesses engaged in procurement and supply chain management.

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    3.5 Business Consultancy

    At NSL, we offer a wide range of business consultancy services to help organizations of all sizes and industries. Our team of experienced consultants has a deep understanding of a wide range of business areas, including finance, marketing, operations, and human resources. We work closely with our clients to understand their unique needs and develop customized solutions that drive real results.

    Whether you are looking to improve your business processes, increase efficiency, or grow your revenue, our team has the expertise to help you achieve your goals.

    Our requirements

    • ID Copies
    • Insurance
    • Certified Bank Statements for the last 12 months and/or Mobile Money Statements
    • Pro-Forma Invoice of the Stock to be financed (if applicable)
    • Memorandum & Articles of Association
    • Resolution to Borrow (if applicable)
    • 2 Guarantors
    • Certificate of Incorporation /Registration
    • Current Business License
    • Auditors' reports
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