webOtherIntermediate

Capital One UK

Help Nigerians check loan & credit eligibility in seconds, earn per qualified lead.

Monetization

One-off

Difficulty

Intermediate

Time to first

4–8 weeks

Market signal

$1M–10M/mo

Why it works

A Other product in this shape is already a proven earner — real businesses here run at roughly $1M–10M/mo. See the live example for exactly how it's packaged and sold.

Who it's for

Solo or 2-person team. Sell to: microfinance banks, fintech lenders, BNPL platforms operating in Nigeria. End users: SME owners, salaried workers checking affordability before applying.

How to build it

1. Partner with 2–3 Nigerian lenders (microfinance banks, online loan platforms). Get their underwriting criteria (income thresholds, credit score ranges, collateral rules) in writing. 2. Build a quiz/form that captures: monthly income, employment type, existing debt, collateral assets. Route answers to a simple scoring engine (rules-based, not ML). 3. Show instant eligibility (e.g. 'Likely approved for ₦500k–₦2M' or 'Not eligible yet — here's why'). No hard credit pull needed. 4. Capture email/phone. Send qualified leads to partner lenders via API or CSV daily. Lenders convert or reject. 5. Launch with 1 lender, prove 10–20 qualified leads/day with 15%+ conversion. Then add 2–3 more lenders and scale ad spend.

Suggested stack

Next.js or React (frontend quiz)Node.js + Express (backend scoring rules)PostgreSQL (store submissionslead history)Stripe or Paystack (receive partner payments)Twilio or Termii (SMS lead confirmation)Vercel or Railway (hosting)Google Sheets + Zapier (lead routing if lenders prefer non-API)

Your edge as a builder from anywhere

Nigerian lenders have no cheap, fast way to pre-qualify borrowers at scale. You own the funnel. Cost to build is 10× cheaper than their in-house data team. You speak local language, know local income proof (payslips, bank statements, BVN). Can route leads same-day. Lenders pay ₦500–₦2,000 per qualified lead; at 50 leads/day and 5 partners, that's ₦125k–₦500k/day recurring.

Market signal

Real ad-market activity behind this proven pattern — from public ad libraries.

Ad reach

175.1M

Active ads

365

365 all-time

Daily ad spend

$35.5K

Advertising since

2025

Top audience regions

United Kingdom

Capital One UK

Pairs with these income paths

Micro-SaaS Products