• Disbursement with in 72 hours
  • N50,000 to N50 MILLION
  • Repayable in 1 to 24 months
  • Minimum administrative procedures

Grow and expand your business with us. A range of easily accessible loans

Simulate my loan

₦ 20,000 ₦ 10,000,000
6 months24 months
Monthly payment

Total to be refunded including of interest.

* This simulator does not constitute a loan offer, a commission of 2.5% to 5% will be applied depending on the amount.

Our products



  • 50,000 – 50,000,000
  • from 6 to 12 months
  • Accessible to Business Owners
Micro_Loan _BaobabNG


  • 50,000 – 50,000,000
  • from 6 to 12months
  • Accessible to Business Owners


  • 500,000 – 2,000,000
  • From 6 to 18months
  • Accessible to Business Owners


  • 2,000,000 – 50,000,000
  • From 6 to 18 months
  • Accessible to Business Owners

Cross and Group guarantee loan

  • 50,000 – 50,000,000
  • Duration 6 months
  • Accessible to Business Owners

Asset Finance

  • 50,000 – 50,000,000
  • From 6 to12 months
  • Accessible to Business Owners

Asset Finance

  • 100,000 – 1,000,000
  • From 6 to 24 months
  • Accessible to existing customers and business owners.

How does it works

Application form
The call center calls you back
Appointment in a branch
Open an account

How it works

Fill out the application form on our website
The customer service will call you back and redirected you to the nearest branch. Do not hesitate to ask them all your questions
Go to the nearest branch to pick up an application form.
Submit duly filled form with necessary documents.


Our minimum loan amount is N50,000 and a Maximum amount of N50,000,000. Both depend on the borrower’s repayment capacity assessed based on verifiable business inventory and other criteria.

What we offer are business loans for businesses that are already in existence/operation, and housing/house improvement loans.

In order to access our loan facility, certain criteria must be met. Firstly, you must possess a business. Additionally, the location of your business must be within our bank’s lending area, which encompasses the following states: Anambra, Lagos, Oyo, Kwara, Kaduna, Kogi, Rivers, Plateau, Abia, Niger, Ogun, and Abuja. Furthermore, your business must have been in operation for a specified period of time.

It doesn’t take longer than it ought to as long as the necessary requirements are adequately met (less than 3 working days).

Our interest rate differs depending on the loan amount. However, it is very competitive.

No fee or mandatory account opening is required before you can get a loan from us.