Medikia Finance is currently in BETA

Financial Infrastructure Built for Healthcare

Medikia gives pharmacies, hospitals, clinics and medical laboratories the financial tools they need to manage money, access working capital, pay their teams and grow their businesses.

Open a Medikia Account Explore How Medikia Works

Powering Healthcare. Sustainably.

347.23%
Total Income

₦567.34K

12K+

Banking partners licensed by the CBN

Deposit Insured By

Trusted by over 5,500+ healthcare businesses

Empowering healthcare providers with simplified finance.

Banking & POS Services

Receive payments, manage your business funds, make transfers, track transactions and connect your financial activity in one place.

Invoice Financing — Medifi

Access financing against unpaid invoices to buy stock, pay suppliers, and run operations without waiting for clients to pay.

Credit Financing — Medicred

Enjoy flexible repayment with moratorium and financing designed around the cash-flow realities of healthcare businesses.

Payroll Service

Manage salary payments, payslips and spend less time managing payroll and more time running your healthcare business.

AI-powered Credit Score

Your Medikia Credit Score is designed to assess your business's financial behaviour using relevant business activity and transaction signals.

Grow with Medikia, the complete financial stack

We help healthcare business work better, save time and money with a simply better banking service around the real needs of healthcare businesses.

10,000+
Transactions Processed

Over 100 healthcare providers trust Medikia to scale their daily operations.

₦

Over ₦100M
Disbursed

Over 29 healthcare businesses financed by Medikia Growth Partners Program.

Over 150
Invoice Financed

Medikia loans fuel growth across several healthcare providers


"From financing inventory to managing payments and business cash flow, Medikia helps healthcare providers access the financial tools they need to operate and grow."

We are Free.

Enjoy all Medikia banking features with zero hidden charges. We believe healthcare businesses deserve more growth and less fees.

No monthly maintanance fees, ever!
No setup or subscription charges.
Free transfers within Medikia network.
Cash-back rewards on every bill payment.
Free SMS and in-app transaction alerts.
Get started in 10minutes
347.23%
Total Income

₦567.34K

12K+

Credit Calculator

Get an estimated repayment plan before you apply
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Calculate loan estimate

This amount is an estimate, a final offer will be after you apply

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Moratorium

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*Medikia doesn’t charge any hidden fee compared to other lenders

What Our Client Say

Medikia is built around the real cashflow needs of pharmacies, especially collections, inventory financing, and structured repayment.

Pharm. Tunde

Vastcare Pharmacy

The platform gives healthcare providers a better way to manage payments, collections, and access financing designed for pharmacy operations.

Pharm. Muhideen

Akod Pharm & Health

Medikia's approach to healthcare finance is timely, expecially for clinics managing payroll, patient payments, and operational cashflow.

Dr. Chinyere

Instantcare Clinic

Medikia understands how pharmacy businesses operate and provides financial tools that can support sustainable growth.

Pharm. Olas

Owlan Pharmaceuticals

Medikia is built around the real cashflow needs of pharmacies, especially collections, inventory financing, and structured repayment.

Pharm. Tunde

Vastcare Pharmacy

The platform gives healthcare providers a better way to manage payments, collections, and access financing designed for pharmacy operations.

Pharm. Muhideen

Akod Pharm & Health

Medikia's approach to healthcare finance is timely, expecially for clinics managing payroll, patient payments, and operational cashflow.

Dr. Chinyere

Instantcare Clinic

Medikia understands how pharmacy businesses operate and provides financial tools that can support sustainable growth.

Pharm. Olas

Owlan Pharmaceuticals

Frequently Asked Questions

Need to speak with us?

Email: info@medikia.com

Medikia Finance is built for healthcare businesses — pharmacies, hospitals, clinics, and labs — to help them manage payments, payroll, and financing in one platform.
Our AI analyzes your business inflows, POS transactions, and payroll activity to calculate a credit score. The higher your score, the more financing you can access instantly.
No collateral is required. Your credit limit is determined automatically through our AI-powered scoring model based on your transaction and repayment history.
No setup or maintenance fees. We only charge small transaction and service-based fees such as 0.2–0.5% on POS payments and 3–8% interest on credit or invoice financing.
Visit Medikia.com or download the Medikia app, complete KYB verification with your CAC and TIN documents, and your virtual account will be created instantly.
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Download the Medikia App

Manage banking, collections, payroll, payments, and healthcare-focused financing from one powerful platform. Built for pharmacies, hospitals, clinics, and laboratories.

Powering Healthcare. Sustainably.

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