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Business Loan

Business Loans Tailored
for Your Growth

At 1UBank, we understand that every business has unique financial needs. Whether you are looking to expand, purchase new equipment, manage cash flow, or invest in new opportunities, our range of flexible business loan products is designed to help you achieve your goals. As a digital bank, we offer seamless, fast, and secure solutions, enabling you to focus on what matters most—growing your business.

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Featured Loan

We are proud to play a defining role in developing and supporting
Africa’s fincechs to help transform .
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Working Capital Loan Keep your business running smoothly with our Working Capital Loan. This product is designed to help you manage day-to-day expenses and bridge cash flow gaps, ensuring you have the funds needed to maintain your operations.
  • Loan Amount: Up to N10,000,000
  • Repayment Term: 3 - 18 months
  • Interest Rate: Competitive rates starting from 15% per annum
  • Disbursement: Funds available within 48 hours after approval
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Equipment Financing Upgrade or purchase new equipment without straining your business finances. Our Equipment Financing solution allows you to acquire the machinery or technology your business needs to stay competitive.
  • Loan Amount: Up to N20,000,000
  • Repayment Term: 6 - 36 months
  • Interest Rate: Starting from 14% per annum
  • Flexible repayment options based on cash flow projections
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Business Expansion Loan Ready to take your business to the next level? Our Business Expansion Loan is ideal for businesses looking to open new branches, expand operations, or invest in new markets.
  • Loan Amount: Up to N30,000,000
  • Repayment Term: 12 - 48 months
  • Interest Rate: Starting from 16% per annum
  • No prepayment penalties, allowing you to pay off your loan early if your business prospers
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Invoice FinancingTurn your unpaid invoices into cash quickly with our Invoice Financing solution. This product helps you unlock the value of outstanding invoices, so you don’t have to wait for payments to manage your cash flow.
  • Loan Amount: Up to 80% of invoice value
  • Repayment Term: Based on invoice payment terms (up to 90 days)
  • Interest Rate: Starting from 2% per month
  • Quick approval process to get funds when you need them
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Start-Up Business Loan Kickstart your new venture with our Start-Up Business Loan. Designed for entrepreneurs and start-ups with big ideas, this loan provides the capital you need to get your business off the ground.
  • Loan Amount: Up to N5,000,000
  • Repayment Term: 6 - 24 months
  • Interest Rate: Starting from 18% per annum
  • No collateral required, but a solid business plan is essential for approval

Why Choose 1UBank for Your Business Loan?

Fast & Easy Application: Apply online in minutes with minimal documentation required.

Transparent Terms: No hidden fees or surprise charges—what you see is what you get.

Personalized Support: Our dedicated business loan advisors are here to guide you through the process, ensuring you find the right loan for your needs.

Flexible Repayment Options: Tailor your repayment schedule to match your business cash flow and seasonal needs

How To Apply

Ready to take control of your financial future? 1UBank is your gateway to unlocking greater
earnings through strategic investments.

Step 1: Check Your Eligibility

Confirm that your business meets our simple eligibility criteria.

Step 2: Complete the Online Application

Fill out our user-friendly application form and upload the required documents.

Step 3: Get Approved

Our team will review your application and get back to you with a decision within 48 hours.

Step 4: Receive Funds:

Once approved, funds are disbursed directly into your 1UBank account.Ready to grow your business? Apply Now and take the next step towards success with 1UBank's Business Loans. For more information or personalized assistance, reach out to our customer support team at loans@1UBank.com.

Loan Calculator

Financial tool that helps users estimate their potential loan payments based on various
factors such as loan amount, interest rate, and repayment period.
0510152025303540
0510152025303540

For a ₦ loan at 10% with a 12 month duration your weekly payment will be ₦0.00.