In a homogenous market with many players offering loan and deposit products, the unique value offering for us at FCMB is to connect with our customers’ businesses directly and address areas of pain points. Having recognized the impact of value-added services on businesses to achieve their short to long term objectives, we currently offer the following services to our customers:


We have two types of quick loan which are:

  1. Temporary Advance
  2. School Aid Facility

Our Working Capital solutions are designed either as term or overdraft to support businesses with funds to satisfy both maturing short-term obligat


To finance acquisition of new assets for the day to day business of SMEs. SMEs in all eligible industries including but not limited to Retailers


This is asset finance for acquisition of commercial properties. To assist businesses, break free of restrictive lease agreements through acquisitio

Frequently Asked Questions

What is this FCMB Quick Loan? This is a short tenored credit facility availed to SMEs with short sale cycle/fast turnover cycle..

  1. Wholesale Trade
  2. Retail Trade
  3. Commerce
  4. Construction
  5. Education
  6. Transportation
  7. Professional services
  8. Renewable Energy
  9. Agribusiness
  10. Manufacturing
  11. Information and Communication
  12. Hospitality
  13. Women owed Business

  1. Minimum of N20,000 per obligor
  2. Maximum of N10,000,000 per obligor

  • Variant of 30 days (1 month); 60 days (2 months); 90 days (3 months); 120 days (4 months); 150 days (5 months); and 180 days (6-months)

  • 2.5% per month

  • 1% management fee flat
  • Advisory fee may also apply

  • No

  • No

Minimal documentation may apply which includes but not limited to the following:
  • Loan request on letter headed paper of customer business.
  • Customer & Bank Signed Offer letter.
  • Quick Loan calculator
  • Satisfactory credit report
  • Board resolution (Ltd) or Acceptance letter (Enterprise).
  • Posted cheque (Other banks)
Other regulatory document. (like Annual returns, Income Tax receipt, TIN etc.)

All SME customers banking with FCMB and/or other banks running their accounts well such that:
  • There is No dormancy, No incomplete documentation.
  • No existing defaulting Loan

  1. Visit any FCMB branch and request the relationship officer or Branch Manager apply through
  2. Via your business internet banking platform click
  3. Via your browser click
  4. Go to

  2. or
  4. or
providing your business account number or visit the nearest branch to you.

The FCMB BUSINESS ZONE is a one-stop online platform that provides a wide range of services to small and medium enterprises. It provides services on access to market information, certified online learning platform, advisory services, women in business offers and creates visibility, recognition, and local awareness on business offerings through our service hub.

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