Keep Your Business Moving
Running out of cash shouldn’t slow your business down. Our Loan provides quick access to funds for day to-day operations, helping you maintain inventory, pay suppliers and meet business expenses with confidence.
Apply Now
What Can You Use It For?
- Operations: Buy inventory, pay suppliers, and cover staff salaries.
- Expenses: Handle day-to-day costs and seasonal demand.
- Cash Flow: Keep your business moving with steady liquidity.
Benefits
- Speed & Flexibility: Quick approvals with repayment options that fit your cash flow.
- Fair & Transparent: Competitive interest rates and no hidden charges.
- Dedicated Support: Relationship managers to guide you through financing.
A Simple Way to Fund Your Business
Your application journey is designed to be straightforward and digital, with eligibility and approval determined through the Bank's lending and risk assessment processes.
Apply
Submit your application and provide the information required for assessment.
Assessment
Your application is reviewed against the relevant eligibility and credit criteria.
Decision
You'll be informed of the outcome of your application and, where approved, the applicable terms.
Repay
Manage your repayment according to the agreed schedule.
Business Loan Calculator
Plan amortization and repayments
Select your preferred repayment tenure.
Fixed by the bank — not editable.
Estimated Monthly Repayment
₦1,836,043
Indicative only, at 5% monthly on reducing balance.
Asset Financing
Acquire the tools, machinery and equipment your business needs today while spreading the cost over manageable repayments.
Apply
Finance Assets Such As
- Commercial vehicles
- Manufacturing equipment
- Office equipment
- Agricultural machinery
- Medical equipment
- Technology infrastructure
Benefits
- Financial strength: Keep cash free for everyday operations.
- Smart financing: Flexible repayment plans and competitive rates.
- Growth support: Expand confidently with quicker access to productive assets.
Eligibility
- Active Business Account
- Satisfactory credit assessment
- Asset quotation/invoice
- Supporting financial documentation
These documents are dependent on your request and might include other supporting documents such as agreements and invoices.
Working Capital Loan
Keep your business running smoothly with our Working Capital Loan. This product is designed to help you manage day-to-day expenses and bridge cash flow gaps, ensuring you have the funds needed to maintain your operations.
Equipment Financing
Upgrade or purchase new equipment without straining your business finances. Our Equipment Financing solution allows you to acquire the machinery or technology your business needs to stay competitive.
Business Expansion Loan
Ready to take your business to the next level? Our Business Expansion Loan is ideal for businesses looking to open new branches, expand operations, or invest in new markets.
Invoice Financing
Turn your unpaid invoices into cash quickly with our Invoice Financing solution. This product helps you unlock the value of outstanding invoices, so you don't have to wait for payments to manage your cash flow.
Apply
What Can You Use It For?
- Operations: Buy inventory, pay suppliers, and cover staff salaries.
- Expenses: Handle day-to-day costs and seasonal demand.
- Cash Flow: Keep your business moving with steady liquidity.
Benefits
- Speed & Flexibility: Quick approvals with repayment options that fit your cash flow.
- Fair & Transparent: Competitive interest rates and no hidden charges.
- Dedicated Support: Relationship managers to guide you through financing.
Eligibility
- Maintain an active Business Account
- Meet the bank's credit assessment requirements
- Provide required documentation
These documents are dependent on your request and might include other supporting documents such as agreements and invoices.
Payments
Whether you’re paying one person or many, your business should spend less time moving money and more time getting things done.
Simplify Your Payments
Smart Transfers
Bring different payments into one workflow instead of managing them separately. Smart Transfers supports individual transfers, bulk disbursements and bill payments.
Bulk Payments
When there's a long list to pay, handle them together with batch payments designed to reduce repetitive work.
Stay in Control
Approval and transaction controls help make sure payments are seen, checked and authorized by the right people.
Frequently Asked Questions
Applications are assessed once all required documents have been submitted.