Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Digital application through the Renmoney app; identity and income checks may apply
Nigerian registered business · Stanbic IBTC business account · Part of Standard Bank Group
No collateral; smartphone app application
Nigerian registered business · First Bank business account · Financial statements required
Monthly income of ₦1,000+; no collateral; no physical paperwork
Nigerian registered business · 6+ months trading history · Digital application process
No collateral; no guarantor; no paperwork
Nigerian registered business · GTBank business account · Minimum 2 years trading history
Phone number or Facebook account, ID number, and mobile money or bank account
Nigerian registered business · UBA business account · Financial statements and projections
Kuda app account required; monthly installment repayment; no paperwork
Nigerian registered business · Zenith Bank business account · Financial statements required
Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required
Nigerian registered business · Access Bank business account · Business plan required
Salary paid into a Stanbic IBTC account; minimum net monthly income of ₦50,000; credit and affordability checks
Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows
Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report