Business / SME banking
Banking for the businesses that run Jos
Accounts, POS terminals, market collections, payroll and loans for shops, pharmacies, schools, transporters and workshops.
01 / Services
What your business gets
Business current
₦1,000 a month, 50 free transfers, two signatories.
POS terminals
Delivered and set up within 48 hours, settlement the next morning.
Market collections
An agent collects cash at your stall on fixed days.
Payroll
Pay staff in one upload, with payslips by SMS.
SME loans
Stock and equipment loans from ₦500,000.
Relationship manager
One person who knows your business by name.
02 / Case
A pharmacy in Rayfield
An example pharmacy on Rayfield Road moved its account to Ardent in 2024. Two POS terminals now settle by 9am the next day, an agent collects cash on Fridays, and a stock loan of ₦3 million is repaid from card sales over 12 months.
The owner’s relationship manager visits once a month and answers WhatsApp messages within the hour during banking hours.
03 / Request
Request a POS terminal or a call
Tell us about your business and a relationship manager replies within one working day.
- CAC registration or business name certificate
- ID for every signatory
- BVN for every signatory
- Utility bill for the business address
Questions
Questions people ask
Do I need CAC registration?
For a business account, yes, or a business name registration. Market traders can start with a personal account and an agent.
What does a POS terminal cost?
Rental of ₦6,000 a quarter, or free above ₦3 million a month in card sales (example).