SME Loans and Advances
We have a range of suitable financing options to help your business grow.
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 Loans
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 Offerings, please fill out the form below.
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.
