SME Loans
Whatever your business needs are, we have the right loan to help meet your need

Cash Flow Lending
Running a business comes with unexpected financial needs. Our Cash Flow Lending offering provides the funds you need to help meet your short term business needs. With this loan, businesses can access financing based on their revenue and cash flow, without requiring collateral.
Features & Benefits
- No collateral required
- Competitive interest rate
- Maximum tenor of 12 months
- Maximum loan amount of ₦10M
- Open to registered & unregistered businesses
Documentation Required
- Copy of Corporate Affairs Commission (CAC) registration certificate
- Invoice for goods to be purchased-if applicable
- Executed Board resolution to borrow and detailing who will operate the account/ loan (for limited liability companies only)
- Evidence of tenancy / ownership of business location (this includes copies of rent receipts, title documents etc.)
Local Purchase Order
Winning contracts is great, but do you have the funds to execute them? With our Local Purchase Order Finance, we provide businesses with funding to help fulfill confirmed purchase orders for jobs issued by approved counterparties.
Features
- Affordable interest rate
- Maximum Tenor is 90 days
- Maximum amount of N50M
- Equity Contribution of 30% is required
Documentation Required
- Copy of Purchase Order which must be valid
- Copy of Corporate Affairs Commission (CAC) registration certificate
- Executed Board resolution to borrow and detailing who will operate the account/ loan (for limited liability companies only)
- Domiciliation instruction (non – changeable without prior approval of credit signatories) in favour of UBN must be in place. Account detail on the letter should be for the collection account


Invoice Discounting Finance
Waiting for payments should not slow down your business. Convert your unpaid invoices into instant cash to keep your operations running smoothly. Get quick cash flow for your business needs before your clients pays.
Features
- No collateral required
- Affordable interest rate
- Maximum amount of ₦50M.
- Maximum Tenor of 90 days (in line with invoice payment date).
Documentation Required
- Copy of Invoice which must be valid
- Copy of Corporate Affairs Commission (CAC) registration certificate
- Executed Board resolution to borrow and detailing who will operate the account/ loan (for limited liability companies only)
- Domiciliation instruction (non – changeable without prior approval of credit signatories) in favour of UBN must be in place. Account detail on the letter should be for the collection account
Asset Finance
Get the equipment your business needs without the upfront cost. Acquire essential equipment, operational vehicles, and machinery without straining your cash flow. With flexible repayment plans and affordable financing, you can invest in assets that drive productivity and profitability.
Features
- Maximum Tenor is 48 months
- Equity Contribution of 30% is required
- Loan amount is dependent on business cash flow
- No collateral is required. Asset being financed is the collateral for the loan
Documentation Required
- Cashflow statement
- Customer’s request letter
- Audited Financials(if applicable)
- Proforma Invoice of asset to be financed
- Copy of Corporate Affairs Commission (CAC) registration certificate
- Other documents will be required subject to what we are financing


Term Loan
Get the capital you need to expand operations, invest in new projects, and manage long-term expenses. With structured repayment plans and competitive interest rates, you can borrow with confidence and repay with ease.
Features
- Collateral required
- Maximum Tenor is 48 months
- Loan amount is dependent on business cash flow
Documentation Required
- Cashflow statement
- Customer’s request letter
- Audited Financials(if applicable)
- Proforma Invoice of asset to be financed
- Copy of Corporate Affairs Commission (CAC) registration certificate
- Other documents will be required subject to what we are financing
Overdraft
Unexpected expenses or short-term cash flow gaps should not slow down your business. Access additional funds beyond your account balance to manage expenses, pay suppliers, and keep your business running smoothly.
Features
- Collateral required
- Loan amount is dependent on business cash flow
- Maximum Tenor is 12 months with 90 days clean up cycle
Documentation Required
- Copy of Corporate Affairs Commission (CAC) registration certificate
- Customer’s request letter
- Account statements from other banks-if applicable
- Valuation report of property to be pledged as collateral
- Audited Financials (if applicable)
- Other document will be required subject to what we are financing
