Apply for a grant or a zero-fee loan in minutes. No paperwork, no bank queues. Just send a message and we'll take it from there.
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How it works
Everything happens inside one WhatsApp chat — from your first hello to tracking what you owe.
Message YATA on WhatsApp to get started. No app to download, no forms to print.
Confirm your identity with your BVN or NIN. It takes about a minute and keeps the fund secure.
Request a grant or a no-fee loan, then track and repay — all in the same chat.
What you can get
A boost you don't pay back, for artisans who qualify — to buy tools, stock, or materials and grow.
Borrow what you need and repay over time. No interest, no hidden charges — you repay only what you took.
Tailors, welders, mechanics, hairdressers, cobblers, caterers — if you work with your hands and your trade keeps people moving, YATA is for you.
Questions
Yes. There are zero fees on both grants and loans. For a loan, you repay only the amount you borrowed — no interest, no charges.
Your WhatsApp number and a valid BVN or NIN. That's it.
Onboarding takes a few minutes on WhatsApp. Your request is then reviewed, and you'll hear the decision right there in the chat.
Your identity is verified securely and your data is handled in line with Nigeria's data-protection rules (NDPC). We use your BVN/NIN only to confirm it's really you.