An individual or a financial company can apply for a money lending license in Nigeria. Money lending license can be obtained from any location in Nigeria, as long as the business is situated in that particular location.
Also a business must have a target market on ground, otherwise it is not a business but a hobby. Always show up for business and not act behind the scenes that is how you build a brand. Investors don't invest in a business, without looking at the business competitors, government policies or laws. An investor will always want to build a brand, because money and equity is at stake.