Oxygen X Finance Company, a leading consumer digital lending company in Nigeria, has taken credit access directly to the heart of the informal economy through a community-focused roadshow at Balogun Market and Trade Fair Market, held from December 9 to 12, 2025.
The activation was designed to expand digital credit access for traders and small business owners, many of whom remain excluded from formal financing despite powering a significant share of Nigeria’s economy.
Nigeria’s credit penetration is estimated at just 6–7%, even though the informal sector contributes over 50% of national GDP. This gap has left millions of entrepreneurs without access to structured, affordable financing. Oxygen X is addressing this challenge by embedding consumer credit solutions directly into everyday commercial spaces, removing traditional barriers such as lengthy documentation and limited banking access.
Bringing Credit to Where Commerce Happens
During the roadshow, Oxygen X field agents were on ground to provide real-time onboarding, answer questions, and guide traders through a transparent and seamless digital lending process. The initiative enabled market participants to better understand how digital credit works and how it can support inventory restocking, business expansion, and cash flow stability.
Speaking on the initiative, Oyebimpe Adeniyi-Sanusi, Head of Sales at Oxygen X, said:
“We believe credit should be accessible where commerce happens. By bringing capital directly to traders, we are enabling business growth while building a responsible and sustainable lending culture.”
Financial Inclusion Beyond Lending
Beyond access to capital, the activation placed strong emphasis on financial education, helping traders understand repayment structures, responsible borrowing, and how digital lending can be used sustainably to grow their businesses.
The roadshow reinforces Oxygen X’s commitment to financial inclusion in Nigeria, sustainability, and real economic impact, positioning the company as a trusted partner for individuals and small businesses navigating the realities of the informal economy.
About Oxygen X Finance Company
Oxygen X is a digital-first consumer lending business committed to unlocking financial possibilities for Africans. A subsidiary of Access Holdings Plc, Oxygen X is built to redefine lending across the Access ecosystem by delivering financial solutions designed to help individuals and businesses thrive.
Built on advanced risk technology and a customer-first philosophy, Oxygen X is on a mission to become the world’s most respected African lending brand – one that empowers people to make smart financial decisions, improve their livelihoods, and move confidently to their next level.
From salary earners navigating monthly needs to entrepreneurs growing their hustle, Oxygen X provides accessible loans that create real impact. Our approach blends financial innovation with sustainability, ensuring that every loan given supports long-term progress for customers, communities, and the economy.
With a growing community of users, strong governance structures, and the backing of one of Africa’s largest financial ecosystems, Oxygen X is shaping the future of digital credit – one responsible loan at a time- https://www.oxygenx.africa/
