We are dedicated to shaping the future. In the fast-paced world of technology, our company stands as a beacon of innovation and progress.
Chronos Capital Limited was incorporated as a limited liability company on 11th of February 2010, with a mission and vision to build and be an enabling environment for start-up businesses to thrive and scale to success.
We are a technology driven franchise that creates easy and multiple channels of access to a variety of goods, services, information, liquid funds and lots more for any type of SME business to gain seamless access to facilities for business development and growth.
At Chronos, we take a disciplined and strategic approach to managing your capital. Our team of experts combines market insight, risk management, and innovative thinking to help our clients achieve their financial objectives.
Experienced Team
Tailored Solutions / Wide Range
Active Portfolio Management
Innovative approach
Mr Lanre Oyedotun is a distinguished and seasoned professional in the Field of business and technology. He is the principal and highest stakeholder of Chronos Capital Limited. He has over 14 years of experience in the frontier and emerging markets space and this cuts across Africa, where he is constantly identifying and solving problems that enable businesses to do more. Among some of his stand out projects include Delivery Science, Shara, and Bank 54 (B54).
Dr. Jaiye Oyedotun, is the financial backbone of Chronos Capital. Dr. has an MBA from Columbia and a Doctorate degree in Statistics. He is a seasonal professional within the financial space and has over 30 years of experience across top tier banks. Dr. Jaiye had worked as a previous CEO of the then Marina Bank (Access Bank). He is currently an active member of the board.
At ChronosLP, we offer a range of funds designed to meet the diverse needs of our clients. Chronos LP provides open-ended lending funds focused on providing short-term loans to Micro, Small, and Medium Enterprises (MSMEs) in Nigeria. By investing in this fund, investors gain exposure to a diverse portfolio of loans that support local Nigerian businesses and earn superior risk-adjusted returns.
The Fund generates returns by lending to MSMEs with a focus on collateralized, short-term loans. These loans are secured through various forms of collateral, including inventory, personal assets, and guarantees. The Fund targets returns of T-Bill rate + 9%, offering investors a steady income stream backed by secured loans and rigorous underwriting standards.
The minimum investment for the Grassroots MSME Loans Fund is NGN 100,000. This entry-level investment makes it accessible for a wide range of investors interested in earning steady, high-yield returns through MSME financing.
Loans in the Fund are primarily secured by a pledge of inventory, supported by personal guarantees from borrowers and additional collateral, such as personal assets and acceptable guarantors. The Fund’s structure is designed to protect investor capital by requiring multiple layers of collateral and stringent underwriting criteria.
The loan assessment process involves a comprehensive review that includes field visits to each MSME’s business premises, financial and collateral assessments, and rigorous underwriting procedures. Each loan application is reviewed by a Credit Committee to ensure it aligns with the Fund’s conservative lending profile.
If a borrower defaults, a structured recovery process is initiated, which includes contacting family members and guarantors, sending demand letters, and deploying recovery officers to retrieve collateral if necessary. This process ensures that defaulted loans are managed in a way that minimizes impact on the Fund.
ChronosLP manages risk through strict underwriting standards, requiring collateral and personal guarantees, and maintaining a diversified loan portfolio. The Fund limits exposure by ensuring no single loan exceeds 15% of the portfolio, creating a balanced risk profile for investor
Nigeria’s MSME sector is a vital component of the economy, contributing over 50% to the GDP and employing approximately 80% of the labor force. Despite this, MSMEs face a significant funding gap, creating an opportunity for growth through lending solutions that help drive economic development and offer investors attractive, short-term returns.
While the Fund does not guarantee income payments, it is structured with robust protections, including collateral requirements and a diversified loan portfolio. ChronosLP is committed to meeting quarterly income payments, and if any two consecutive income payments are missed, the Fund will initiate a wind-down process to protect investors.
Join us on this exciting journey as we continue to redefine what is possible with ever-evolving technology.
We have collaborated with several esteemed organizations.
