# Shara

**Canonical:** https://apis.io/providers/shara/  
**Website:** https://shara.co  
**APIs profiled:** 0

Shara (Shara Technology Management Nigeria Ltd) is a Lagos-based fintech that provides collateral-free working-capital loans of up to NGN 10 million to Nigerian small and medium-sized businesses. Sole traders, partnerships, and limited companies apply through Shara's website or Android app with basic business details and a bank statement, and receive a free loan estimate in seconds with approval typically in 48 hours to two weeks. The company reports over NGN 50 billion disbursed across 100,000+ loans to 7,000+ business customers. Shara publishes no public API, developer portal, or documentation.

## Kin Score — 5.0 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 5.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Shara Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Fintech, Lending, SME Finance, Working Capital, Financial-Services, Nigeria, Loans

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/shara/). Scores are computed from the provider's own public artifacts under a published rubric.