Growth Capital That Fits Your Business
From market traders to established SMEs, we provide flexible loan facilities with transparent pricing and practical assessment.
Quick Capital for Traders and Artisans
Micro loans give market traders, artisans, food processors and individuals quick access to working capital — without the complexity of conventional banking. Our assessment is practical: we look at your business activity, your repayment capacity and your character.
- Loans from as low as ₦50,000
- Weekly or monthly repayment schedules
- Fast decision-making — days, not months
- Flexible documentation requirements
- Dedicated relationship officer
Facilities for Established Businesses
Established businesses need more than cash — they need a financing partner. Our SME loans fund inventory expansion, equipment purchases, working capital and market opportunities, structured around your actual cash flow.
- Facilities up to ₦100M
- Tenors up to 24 months
- Business assessment and cash-flow structuring
- Equipment and inventory financing
- Working capital for growth phases
Pricing That Scales With Your Facility
Our rates scale with facility size. All rates are published transparently — no hidden fees, no surprises.
| Loan Amount | Annual Rate | Monthly Rate |
|---|---|---|
| Less than ₦1M | 12% | 1.00% |
| ₦1M – ₦1.99M | 15% | 1.25% |
| ₦2M – ₦4.99M | 18% | 1.50% |
| ₦5M – ₦9.99M | 21% | 1.75% |
| ₦10M – ₦49.99M | 24% | 2.00% |
| ₦50M – ₦99.9M | 27% | 2.25% |
| ₦100M and above | 30% | 2.50% |
Rates are indicative and subject to individual assessment. See the full Rate Guide and Loan Terms.
Five Simple Steps to Funding
Submit Application
Complete the online form or visit any branch with your documents.
Assessment
Our team reviews your business activity, repayment capacity and references.
Offer & Agreement
You receive a clear offer letter with the amount, rate and repayment schedule.
Disbursement
Funds are released to your account upon signing the loan agreement.
Support
A relationship officer supports you through repayment and future facilities.
Requirements
- Valid government-issued identification
- Proof of business activity or income source
- Bank statement for the requested period
- References or guarantors where applicable
- Completed application and loan agreement
Our Promise
- Typical turnaround: days, not weeks
- Clear documentation before you sign
- Personal review of every application
- Regulated, documented lending
- Confidential handling of your details
Need Growth Capital Today?
Submit your loan application online and our team will contact you within one business day.