Secure loans with littletono docs required. Clarify offers a streamlined funding process that make things easy.Unique benefits: Lower down payments, flexible overhead requirements, and no collateral needed for some loans. Yes, it is possible to get a business loan without traditional assets like real estate or equipment. General Program Guidelines. 1. Jumia Pay offers quick and easy loans without requiring a BVN. Rating. Loan Amount: Up to ₦100,000. A basic loan app that only requires BVN (Bank Verification Number) and account numbers typically follows a simple process. There is no reputable loan app that will disburse loans without BVN in Nigeria. Some business loans and lines of credit do not require a personal guarantee.