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For fleet operators, lenders and partners

Put vehicles on the road. Watch every naira come home.

10th Gear runs the riders, the collections and the recoveries. You get a live view of your vehicles and lender-ready numbers, any day you ask.

Who we work with

One platform, three kinds of partner.

Fleet owners

You own vehicles. We run them.

We vet riders, hand over, collect weekly and handle recoveries. You see every vehicle and every payment.

Lenders and investors

Finance a batch of vehicles.

Read-only access to your batch: collection rate, PAR 1, 7 and 30, and ownership progress, any day.

Platform partners

Get riders on vehicles faster.

Mobility and logistics platforms can refer riders straight into a 10th Gear Rent-to-Own plan.

Protection

The controls that protect every vehicle.

01

Verified riders

Government ID, BVN and a guarantor checked before any handover, plus onboarding and safety training.

02

Automatic collections

Every payment matched to the right rider and logged against their balance, reconciled daily.

03

Early warnings

Reminders go out before payments are due, and missed payments are flagged to the team straight away.

04

GPS on every vehicle

Live location turns a recovery into a pickup, not a search.

05

Insured and maintained

Every vehicle is fully insured and backed by maintenance support for the life of the plan.

06

Numbers lenders trust

Collection rate, PAR 1, 7 and 30, and ownership progress, exportable any day.

Partnerships

Let's talk about your fleet.

Tell us a little about what you have in mind. Our partnerships team will reply within two business days.

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