Starter
₦50,000/mo
- ✓ Loan up to ₦50,000
- ✓ 3-month repayment term
- ✓ Mobile app access
- ✓ Basic financial literacy resources
- ✓ Community support
Digital Banking for Everyone
Empowering Lagos Communities Through Accessible Microfinance
Fast, transparent loans and financial services designed for small businesses and individuals. Join thousands of Lagosians building their financial future with MicroBank.
Why Lagos Trusts MicroBank
- Licensed & RegulatedFully licensed by the Central Bank of Nigeria and regulated under microfinance banking standards. Your deposits are protected, and every transaction meets national compliance requirements for your peace of mind.
- Community-First ApproachWe understand Lagos communities because we're part of them. Our loan officers speak your language, know your neighborhood, and design financial products that fit the real needs of local businesses and families.
- Fast Approval ProcessGet loan decisions in as little as 24 hours. Our digital platform streamlines applications while our experienced team evaluates your unique situation—not just your credit score—to help you access funds quickly.
- Transparent PricingNo hidden fees or surprise charges. Every interest rate, processing fee, and repayment term is clearly explained upfront so you can make informed decisions about your financial future with complete confidence.
Built for Your Financial Success
Apply for microloans from your phone or computer in minutes. Our streamlined digital application captures only what's necessary, and our AI-assisted review flags approvals faster than traditional banks. Track your application status in real-time and receive funds directly to your account once approved.
Choose repayment schedules that match your cash flow—weekly, bi-weekly, or monthly. Adjust payment dates around market days, seasonal business cycles, or income patterns. Make early payments without penalties and watch your interest savings grow with our transparent calculator.
Access free financial literacy resources, business planning templates, and one-on-one coaching from our advisors. Track your business metrics through our dashboard, receive personalized growth recommendations, and qualify for larger loans as your business expands and your repayment history strengthens.
Your Path to Financial Freedom
- 01
Create Your Account
Sign up in minutes with just your phone number and BVN. Our simple verification process gets you started quickly and securely, with no paperwork or branch visits required.
- 02
Apply for Your Loan
Tell us about your business or personal needs. Our smart application takes just 5 minutes to complete, and our AI-powered system evaluates your eligibility instantly based on your profile and community standing.
- 03
Get Approved Fast
Receive a decision within 24 hours. We use alternative credit scoring that considers your business activity, savings history, and community reputation—not just traditional credit scores.
- 04
Receive Your Funds
Money arrives directly in your account or mobile wallet within hours of approval. Use it to grow your business, handle emergencies, or invest in your family's future with flexible repayment terms that work for you.
Flexible Options
Simple, Transparent Pricing
Choose the loan plan that fits your needs. No hidden fees, no surprises.
Save on interest with longer repayment terms
Growth
₦200,000/mo
- ✓ Loan up to ₦200,000
- ✓ 6-month repayment term
- ✓ Priority application review
- ✓ Business advisory support
- ✓ Flexible payment schedules
- ✓ Credit building program
Business
₦500,000/mo
- ✓ Loan up to ₦500,000
- ✓ 12-month repayment term
- ✓ Dedicated account manager
- ✓ Advanced business training
- ✓ Invoice financing options
- ✓ Equipment leasing available
- ✓ Savings account with 2% interest
Making an Impact Across Lagos
Disbursed to Local Businesses
₦2.4B+
Active Customers Served
12,500+
Customer Satisfaction Rate
98.2%
Average Approval Time
24 Hours
Stories from Our Community
MicroBank gave me my first loan when traditional banks turned me away. Now my fabric shop has tripled in size and I employ four people. They believed in me when no one else would.
The application was so simple I completed it on my phone during lunch break. Money was in my account the next day. I used it to repair my taxi and I've been earning consistently ever since.
As a single mother running a food stall, I needed capital to expand but had no collateral. MicroBank's community-based lending gave me a chance. My business has grown 60% in six months.
Trusted by Local Businesses
Adaeze's Fashion Hub
Expanded from Market Stall to Storefront
Mama Ngozi's Kitchen
Opened Second Restaurant Location
QuickRide Logistics
Scaled Delivery Fleet to 15 Bikes
Sunshine Bakery
Launched Bakery Production Line
Glamour Touch Beauty
Upgraded Salon to Full Spa
Tunde's Carpentry
Built Custom Furniture Workshop
CodeLagos Academy
Opened Tech Training Center
HealthPlus Pharmacy
Expanded Pharmacy Chain
See What Access to Capital Can Do
The assumptions
- You run a small retail business with ₦500,000 monthly revenue
- A ₦200,000 loan lets you buy inventory in bulk at 25% discount
- You restock 3 times per month
- Your profit margin increases from 20% to 32% with bulk purchasing
Projected return
₦432,000
additional profit in your first year
Illustration based on median outcomes from our 2024 customer survey of Lagos retail businesses. Your actual returns depend on your business model, inventory turnover, and market conditions.
Ready to Transform Your Financial Future?
Join thousands of Lagos entrepreneurs and families who have already taken control of their finances with MicroBank Lagos. Whether you need a business loan, personal credit, or simply a trusted partner for your financial journey, we're here to help you succeed. Our team is ready to guide you through every step, from application to approval. Start building the future you deserve today.