SME and trader loan
Restock before the rush. Repay as you sell.
Working capital for traders and small businesses in Onitsha, Nnewi, Awka and beyond. From ₦100,000 to ₦10 million over 3 to 12 months.
- Decision in 48 hours for returning customers
- Weekly repayments
- Agent collection
Key facts
What you need to know.
Example rates and fees for this demo, not an offer.
Who can apply
Is it for you?
- Trading or in business for at least six months
- A shop, stall or workshop we can visit
- Two guarantors, one of them a fellow trader or your association chairman
- A Harvestfield account, ideally with Ajo Plus history
What to bring
Your documents.
- Valid ID card and BVN
- Passport photographs, two
- Utility bill or association letter
- Guarantor forms
Eligibility check
Could you qualify?
Answer five quick questions. This is a guide only: a loan officer makes the final decision after visiting your business.
Answer the questions to see your result.
In real life
The businesses we lend to.
Before Christmas I take a loan to fill my shop with wrappers and lace. By February it is repaid and my savings are bigger than last year.
Apply
Request a call from a loan officer.
Fill this in and a loan officer will call within one working day to book your visit or confirm your advance.
Thank you, we have your request.
A loan officer will call you within one working day. Keep your BVN and ID ready.
Questions
Questions people ask
First loans are usually up to ₦500,000, depending on your sales. Customers who repay well can step up to larger amounts.
Yes. Many market associations in Onitsha have agreements with us. Your chairman's letter can replace one guarantor.
Talk to us early. During floods, fire or official closures we can agree a short pause on repayments.
After repaying half of your current loan on time, you can apply for a top up.
Walk in with your BVN. Walk out with an account.
Bring a valid ID, your BVN and a utility bill. Most accounts open in under twenty minutes at any branch, or an agent can open one for you at your shop.