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Business Loan

At Proficient Capital, whatever your business needs are, we have the right loan to help you meet them, we have tailored solutions designed to help grow your SME business, we also give you the opportunity to expand your business and generate more revenue through income which will in turn maximize the profit of your business.

Our Business Loans are structured on these basic needs

  • Working capital to help meet your short term business needs.
  • Quick cash flow for your business needs before your clients pays.
  • To support your whole value chain of suppliers and buyers with short term loan for SMEs that are key and sub-distributors.
  • Long term finance to finance the expansion of a business.
  • Manage fluctuations in your cash flow and respond to emergencies.
  • Provides funding for SME customers to meet their cash flow needs and bridge shortfall of working capital
  • Asset acquisition and business expansion.
  • Financing for SMEs for restocking of goods from specific suppliers.


  • No collateral required
  • Affordable interest rate
  • Maximum tenor of 12 months
  • Maximum loan amount of N10M*
  • Equity Contribution (Optional)
  • Open to registered & unregistered businesses

Basic Requirements

  • Must be 18years and above
  • Must posses a valid means of identification
  • Resident permit for foriegners
  • Your six (6) months bank statement.
  • Utility bills
  • Two(2) Eligible guarantors with their Identification cards, Passports & Cheque Leaflet.
  • Your guarantor`s 6 months past pay slip and(or) Account Statement
  • Other documents as necessity demands will may be requested based on what we are financing