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Release Notes – Employee Benefits | Maxi Pro | November 2026

This release note highlights the November 2026 updates and enhancement to Employee Benefits, with the introduction of Maxi Pro.

What is Maxi-Pro? 

It is an extension of Maxi loan for returning customers who need higher loan amounts and a longer repayment period. It offers loans above ₦5,000,000 and up to ₦10,000,000 with tenors from 12 to 24 months, subject to eligibility and final credit approval.

Product details

Item Maxi-Pro
Loan amount Above ₦5,000,000, up to ₦10,000,000
Tenor 12–24 months
Interest rate 2.9% per month, flat
Fees A one-time fee of 1% of the loan amount, added to principal.
Affordability 45% debt-to-income cap applies
Repayment Equal monthly instalments through payroll deduction
Mandate setup Payroll deduction is the primary collection method, with Mono Sweep as the fallback if payroll collection fails, including following employee exit.

Who is eligible? 

Maxi-Pro is open only to customers who meet all the following:

  • Repayment history: no defaults or late payments on any previous SeamlessTech loan.
  • Employment: confirmed employee with at least 6 months' tenure.
  • Debt-to-income: 45% or less, including the new Maxi-Pro repayment.
  • Company payroll: employer disburses salary on Seamless payroll or is activated for Schedule.
  • Credit bureau: no qualifying negative records on the bureau check.

Meeting these eligibility criteria does not guarantee loan approval. All applications remain subject to final credit approval.

 

How it works

  1. Log in to Breeze/ESS.
  2. The system checks eligibility.
  3. Maxi-Pro is unlocked for Eligible customers.

 

4. You select Maxi-Pro and enter their requested loan amount and repayment duration.

 

5. The system runs a CDS check on your application to determine your eligible loan limit.

6. If the eligible limit is higher than the requested amount, the "You're approved for more" prompt appears

7. If the eligible limit is lower or equals the requested amount, the prompt does not appear, and the flow continues as normal

 

8. Accept the loan offer.

9. Set up your repayment mandate and complete the application.

 

Benefits

  • For customers: trusted borrowers who have outgrown the standard Maxi limit can access up to twice as much, with up to 24 months to repay and smaller monthly instalments.

 

Maxi itself is unchanged. Customers who don't qualify for Maxi-Pro can keep using Maxi as before.

Need help or have questions? Contact our support team through any of these channels:

- Email: support@seamlesshr.com

- WhatsApp: +234 916 653 6169 (chat only)

- In-app chat: Send us a message using the platform’s chat feature.