Medikia Finance is currently in BETA

AI-Powered Fintech for Healthcare

Built to simplify healthcare providers’ finance and business growth through smart business banking, invoice and credit financing, and an automated payroll system

Get started in 10 mins
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

Get a virtual business account and a POS terminal to recieve payments, manage inflows, and track crash flow - all in one place

Invoice Financing

Convert unpaid invoices into quick cash flow and keep your healthcare operations running smoothly.

Credit Financing

Get instant healthcare business financing powered by your Medikia Credit Score, no collateral, no paperwork, and flexible repayment with moratorium.

Payroll Service

Automate salary disbursements and generate payslips with AI-powered payroll built for healthcare teams.

AI-Powered Credit Score

Monitor and imporve your creditworthiness with Medikia's AI-powered credit scoring system.

Grow with Medikia, the complete financial stack

We help healthcare business work better, save time and money with a simply better banking service that works.

7000+
Healthcare Businesses

Over 7000 business trust Medikia to grow their businesses

₦

Over ₦50BN
Disbursed

Over 1000+ healthcare business trust Medikia to grow their businesses

Over 10K
Invoice Financed

Medikia loans fuel growth across several business sector

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

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Calculate loan estimate

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

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Principal

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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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