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Borrow For Your Business Needs
Get a loan to expand your operations, create opportunities and grow your business

Business Loans

Get a loan to expand your operations, create opportunities and grow your business.

Benefits of our business loans

Personalized

We offer various lending solutions and term options based on the needs of your business

Tracking

Monthly statements to track the progress of your loan

Flexibility

Choose a business loan with terms that work with your cashflow

Reliability

Competitive interest rates with reliable monthly repayments
Find the right loan for your business
SME Loan
SME Loan

Do you need working capital for your business? The SME Loan is a tailored made lending facility that is available to businesses for meeting working capital needs and to achieve business goals.

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AgriBusiness Finance

Need a short to long short term business loan for crop, livestock production, farm equipment purposes? Get the required cashflow whatever your agriculture business needs and scale effectively.

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Distributor Finance

If you’re a large manufacturer, or a distributor of wholesale goods, Distribution Supply Chain Finance is the perfect solution for flexible loans to help maintain your cashflow

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Invoice Discounting

With our Invoice Discounting Facility, your business can draw money against invoices issued for completed contracts before payment is received from your creditors.

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Purchase Order Discounting

With the Purchase Order Discounting service, your business can fulfil orders and pay suppliers. Get working capital to keep your business moving forward.

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Trade Finance

We offer Import and Export products to help you trade your goods and services across borders.

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Overdraft

Make payments directly from your business current account and manage your cash flow with a business overdraft facility

VAF distributor finance

The distributor’s business should have been in existence for 6 months...

SCHOOL LENDING

This is a short to long term facility available to privately owned schools for the establishment, expansion or upgrade of basic and specialized facilities. It can also be used for short term working capital requirements.

Tenor: 12 months for Working Capital, and maximum of 7 years for Term Loan.

FEATURES:

Facility Types: Working Capital, Asset Finance, Term Loan Credit Facilities.

Amount: Any amount, subject to a maximum of N500 Million for Working Capital requirement and N5 Billion for Term Loan.

Repayment:

From the School’s operating cashflow and proceeds of the financed business

Pricing:

Interest rate: Competitive

Management fee: 1%

We also offer
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HYCA Gold

A personal account for professionals on the move, the HYCA Gold account gives you the features of a current account with the benefits of a savings account

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Internet Banking

We provide a safe and secured environment for you to make transfers, payments and track your account easily with our internet banking anytime and anywhere. Register or log on to our internet banking now.