SME Loans and Advances
We have a range of suitable financing options to help your business grow.
SME Green Financing Loan
Power outages are no longer your problem. With the UBA Green Financing Loan, you can own a reliable solar energy system for your business and pay for it conveniently over time.
UBA Micro Business Loan
The UBA Micro Business Loan gives you up to ₦5 million in affordable financing to support the growth of your small business at a 9% interest rate. The loan is available to businesses across all sectors ensuring that small business owners can get funding to upscale their businesses.
Working Capital Loan
The UBA Working Capital Loan offers up to NGN 50 million to help businesses access short-term loans and meet their operational obligations. This loan is geared towards supporting the day-to-day operational needs of SMEs, with flexible repayment schedules that can be customized to meet the specific needs of your business.
UBA SME Asset Finance
With the UBA SME Asset Finance loan, you can get financing to acquire equipment, machinery, and other critical assets required for the growth of your business. This loan is available to businesses in sectors like Manufacturing, Healthcare, Agriculture, and others, helping them purchase necessary equipment and tools to enhance operations.
UBA Healthcare Intervention Facility
The SME Healthcare Loan is designed to provide financing to improve capacity in private, small-to-medium-sized hospitals, diagnostic centers, medical laboratories, pharmacies, and other medical supply companies. It allows medical businesses to acquire equipment, supplies, expand operations, and support long-term growth.
Creative Industry Finance Scheme
The Creative Industry Finance Scheme gives access to long-term and low-interest financing to entrepreneurs and businesses within Nigeria’s entertainment industry. It provides funding for film production, fashion, IT, and other creative industry sectors.
Young Entrepreneurs Loan
The Young Entrepreneurs Loan offers credit facilities to young professionals who aim to grow their businesses in various sectors. It is tailored for startups and small-to-medium enterprises (SMEs) looking for capital to expand their operations.
UBA School Loan
This is a medium-to-long-term facility aimed at financing working capital, asset acquisition, and mortgage needs of registered private schools nationwide. This product comprises a short-term loan, an asset finance loan, and a mortgage.
Stay Updated on SME Loans and Advances
For more information regarding the UBA SME loans, please fill out the form.
Working Capital Loan
The UBA Working Capital loan offers up to ₦50 Million to help business owners meet their cash flow needs and expand their business. A flexible collateral cover will be required depending on the loan amount and the nature of the customer’s business. It is open to customers with verifiable credit net worth, whose cash flow patterns meet the requirement for lending.
Features
- Customers get up to ₦50 million, payable over 12 months, to expand their business and meet cash flow demands.
- Women-owned businesses receive special interest rate concessions.
- Customers can access this facility as an overdraft or a term loan.
Requirements
- The business must have been registered for at least 1 year.
- The business must have a banking relationship with UBA for a minimum period of 3 months.
- To learn more about our requirements, kindly speak with the SME team at any UBA branch near you.
UBA SME Asset Finance
With the UBA SME Asset finance loan, you can get funding to purchase new assets and also expand your business. It is available to registered SMEs in viable Business Segments that include Entertainment & Recreation, Professional Firms & Service Providers, Food & Drink, Wholesale/Retail Trade & Key Distributors, Agri-Business, Green Economy & Fintechs, Exports, Educational Institutions and other viable businesses.
Features
- Customers get up to ₦50 million, payable over 12 months, to expand their business and meet cash flow demands.
- Women-owned businesses receive special interest rate concessions.
- Customers can access this facility as an overdraft or a term loan.
Requirements
- The business must have been registered for at least 1 year.
- The business must have a banking relationship with UBA for a minimum period of 3 months.
- To learn more about our requirements, kindly speak with the SME team at any UBA branch near you.
UBA Healthcare Intervention Facility
With the UBA SME Asset finance loan, you can get funding to purchase new assets and also expand your business. It is available to registered SMEs in viable Business Segments that include Entertainment & Recreation, Professional Firms & Service Providers, Food & Drink, Wholesale/Retail Trade & Key Distributors, Agri-Business, Green Economy & Fintechs, Exports, Educational Institutions and other viable businesses.
Features
- Customers get up to ₦50 million, payable over 12 months, to expand their business and meet cash flow demands.
- Women-owned businesses receive special interest rate concessions.
- Customers can access this facility as an overdraft or a term loan.
Requirements
- The business must have been registered for at least 1 year.
- The business must have a banking relationship with UBA for a minimum period of 3 months.
- To learn more about our requirements, kindly speak with the SME team at any UBA branch near you.
Creative Industry Finance Scheme
With the UBA SME Asset finance loan, you can get funding to purchase new assets and also expand your business. It is available to registered SMEs in viable Business Segments that include Entertainment & Recreation, Professional Firms & Service Providers, Food & Drink, Wholesale/Retail Trade & Key Distributors, Agri-Business, Green Economy & Fintechs, Exports, Educational Institutions and other viable businesses.
Features
- Customers get up to ₦50 million, payable over 12 months, to expand their business and meet cash flow demands.
- Women-owned businesses receive special interest rate concessions.
- Customers can access this facility as an overdraft or a term loan.
Requirements
- The business must have been registered for at least 1 year.
- The business must have a banking relationship with UBA for a minimum period of 3 months.
- To learn more about our requirements, kindly speak with the SME team at any UBA branch near you.
Young Entrepreneurs Loan
The UBA Working Capital loan offers up to ₦50 Million to help business owners meet their cash flow needs and expand their business. A flexible collateral cover will be required depending on the loan amount and the nature of the customer’s business. It is open to customers with verifiable credit net worth, whose cash flow patterns meet the requirement for lending.
Features
- Customers get up to ₦50 million, payable over 12 months, to expand their business and meet cash flow demands.
- Women-owned businesses receive special interest rate concessions.
- Customers can access this facility as an overdraft or a term loan.
Requirements
- The business must have been registered for at least 1 year.
- The business must have a banking relationship with UBA for a minimum period of 3 months.
- To learn more about our requirements, kindly speak with the SME team at any UBA branch near you.
UBA School Loans
The UBA Working Capital loan offers up to ₦50 Million to help business owners meet their cash flow needs and expand their business. A flexible collateral cover will be required depending on the loan amount and the nature of the customer’s business. It is open to customers with verifiable credit net worth, whose cash flow patterns meet the requirement for lending.
Features
- Customers get up to ₦50 million, payable over 12 months, to expand their business and meet cash flow demands.
- Women-owned businesses receive special interest rate concessions.
- Customers can access this facility as an overdraft or a term loan.
Requirements
- The business must have been registered for at least 1 year.
- The business must have a banking relationship with UBA for a minimum period of 3 months.
- To learn more about our requirements, kindly speak with the SME team at any UBA branch near you.
UBA Micro Business Loan
With the UBA Micro Business loan, you can get funding to purchase new products and also expand your business.
Features
- Customers can get up to ₦5 million, to expand their business and meet cash flow demands.
- Interest rate at 0.75% monthly
- Open to all MSME customers operating their businesses in diverse sectors.
SME Green Financing Loan
Power outages are no longer your problem. With the UBA Green Financing Loan, you can own a reliable solar energy system for your business and pay for it conveniently over time.
Features
- Access Up to $50,000 in financing to purchase and install solar panels for your business.
- As low as 30% equity contribution on product value.
- Flexible repayment tenor spanning 1 – 3 years.
- All installations come with 1 year warranty from trusted, UBA-verified solar providers.
Requirements
- The business must have been registered for at least 1 year.
- The business must have a banking relationship with UBA for a minimum period of 3 months.
- To learn more about our requirements, kindly speak with the SME team at any UBA branch near you.
How to apply
- Kindly visit the nearest UBA branch close to you or send an email to smeteam@ubagroup.com