Oxygen X brings credit closer to traders in CMS, Obalende markets - ITREALMS

Oxygen X Finance Company has taken its “Right Where You Are” campaign directly to the CMS and Obalende markets in Lagos, actively engaging small business owners, market traders, and everyday Nigerians right where they work and trade, reports ITREALMS.

The market activation gave the Oxygen X team an opportunity to converse face-to-face with merchants regarding the practical financial realities of running an enterprise, such as managing cash flow, restocking inventory, and pursuing fresh business opportunities. The campaign is anchored on the core philosophy that credit should be easily accessible to the people who need it most.

Emmanuella Awogu, Brand Manager at Oxygen X, emphasized the necessity of bridging financial divides during the outreach:

“We need to close the gap in access to formal credit. The neighbourhood shop owner, the amala seller and the market trader may not have the paperwork, banking history or access that can make borrowing from a conventional lender straightforward. Yet they run viable businesses, serve customers, and contribute to the economy every day.”

Awogu further noted that the organization's mission focuses on bridging this gap through expanding digital channels and an active agent network. By bringing loans directly into communities, borrowers are spared long wait times or the inconvenience of leaving their stalls to secure financing.

As a subsidiary of Access Holdings Plc backed by robust risk technology, Oxygen X provides tailored personal, SME, business, and working capital loans. Customers can seamlessly apply for credit through the official Oxygen X mobile application or website, while the expanding physical agent network ensures deeper penetration into local markets.

Furthermore, the company is broadening Buy Now, Pay Later (BNPL) options via its OxygenNow service, enabling customers to acquire items and spread payments over manageable periods. The platform's expanding ecosystem of BNPL partners includes major brands such as Thermocool, Orca Mall, Konga, Redington, and Izifin Technologies.

The CMS and Obalende market activations form a central pillar of the broader “Right Where You Are” campaign, which seeks to step beyond traditional digital platforms and meet customers inside the spaces where they live, earn, and trade.