Personal
₦0 /mo
- ✓ Free savings account
- ✓ Mobile banking app
- ✓ Basic money transfers
- ✓ 24/7 customer support
- ✓ Financial literacy resources
Banking Made Simple for Lagos Entrepreneurs
Access loans, savings accounts, and financial tools designed for small businesses and individuals. Join thousands building their future with Lagos Microfinance.
Why Lagos Businesses Trust Us
- Licensed by CBN We are fully licensed and regulated by the Central Bank of Nigeria, ensuring your deposits are safe and your transactions are secure. Your trust is our foundation.
- Instant Loan Approvals Get business and personal loans approved in minutes, not weeks. Our smart credit scoring system evaluates your application quickly so you can access funds when you need them most.
- Zero Hidden Fees What you see is what you pay. We believe in complete transparency with straightforward pricing, no surprise charges, and clear terms on every transaction and service.
- 24/7 Local Support Our customer service team is always available to help you in English, Yoruba, and Pidgin. Real people, real solutions, whenever you need assistance.
- Community Focused We understand Lagos businesses because we are part of this community. From market traders to tech startups, we design our services around your unique needs and challenges.
Everything You Need to Grow
Send money to any Nigerian bank account instantly. Pay bills, buy airtime, and manage all your transactions from one simple app. Track every naira in real-time with detailed transaction history and instant notifications.
Access working capital from ₦50,000 to ₦5,000,000 with flexible repayment terms. Our AI-powered system evaluates your business activity to offer you the best rates. Apply in the app and get approved within 24 hours.
Earn up to 12% annual interest on your savings with our flexible savings plans. Set automatic savings goals, lock funds for higher returns, or keep your money accessible. Watch your wealth grow with daily interest calculations.
Get Started in Minutes
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01
Download the App
Get Lagos Microfinance from the App Store or Google Play. Create your account in under 3 minutes with just your phone number and BVN. No paperwork required to start.
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02
Complete Your Profile
Tell us about yourself or your business. Upload a photo ID and proof of address. Our smart verification system reviews most applications within 24 hours, so you can get started quickly.
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03
Choose Your Service
Open a savings account, apply for a business loan, or set up merchant payments. Our product recommendations are tailored to your needs and financial goals. Explore all options at your own pace.
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04
Get Approved Fast
Most loan applications receive a decision within 48 hours. We evaluate your potential, not just your credit history. Fair terms, transparent rates, and repayment schedules that work for you.
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05
Start Growing
Funds are deposited directly to your account. Use our free business tools, attend financial literacy workshops, and access ongoing support. We're invested in your long-term success, not just one transaction.
Explore the App
Tour the product
See how easy it is to manage your money, apply for loans, and grow your business with Lagos Microfinance.
PROJECT · Q3
Launch dashboard
Everything your team is shipping, in one view.
On track
12 open
3 in review
Ada
opened a pull request
Agent
summarized the release
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left a comment
Syncing changes
Quick Balance View
See all your accounts at a glance. Toggle between savings, current, and loan accounts with one tap.
One-Tap Transfers
Send money to saved beneficiaries instantly. No need to enter account details every time.
Loan Dashboard
Apply for new loans, track existing ones, and see your credit score improve as you repay on time.
Savings Goals
Create custom savings targets for business expansion, emergencies, or personal goals. Automate contributions and track progress.
Transaction History
Filter and search all your transactions. Download statements instantly for accounting and record-keeping.
Pricing
Simple, Transparent Pricing
Choose the plan that fits your business needs. No hidden fees, no surprises.
Save 20% with annual billing
Business Starter
₦2,500 /mo
- ✓ Everything in Personal
- ✓ Business current account
- ✓ Invoice management
- ✓ Up to ₦500,000 credit line
- ✓ Business analytics dashboard
- ✓ Priority support
Business Pro
₦5,000 /mo
- ✓ Everything in Business Starter
- ✓ Up to ₦2,000,000 credit line
- ✓ Multi-user access
- ✓ Advanced financial reports
- ✓ Dedicated account manager
- ✓ Custom payment solutions
Our Impact Across Lagos
50,000+
Active Customers
₦2.5B+
Loans Disbursed
98.5%
Customer Satisfaction
24/7
Support Available
15 mins
Average Loan Approval
12%
Savings Interest Rate
50,000+
Active Customers
₦2.5B+
Loans Disbursed
98.5%
Customer Satisfaction
24/7
Support Available
15 mins
Average Loan Approval
12%
Savings Interest Rate
Stories from Our Customers
Before Lagos Microfinance, I was turned away by every bank. They saw my small shop and said no. Here, they saw my potential and said yes. Now my business employs six people.
The mobile app changed everything. I can check my balance, transfer money, and even apply for loans from my phone. No more wasting hours in bank queues.
I was nervous about taking a loan, but the team explained everything in simple terms. The repayment schedule fits my cash flow perfectly. I actually sleep better at night now.
When I needed emergency funds for a big catering order, Lagos Microfinance approved my loan in two days. That contract became my biggest success story.
The savings account with daily interest helped me build an emergency fund. For the first time in my life, I have financial security for my family.
They don't just give you money and walk away. The business advisory sessions taught me how to manage cash flow and plan for growth. That support is priceless.
As a woman entrepreneur, I faced so many closed doors. Lagos Microfinance opened one wide. They believed in my vision when no one else would.
The interest rates are fair and transparent. No hidden fees, no surprises. Just honest banking that respects small business owners like me.
I went from struggling to pay rent to owning my shop space. The journey took three years, but Lagos Microfinance was with me every step of the way.
Meet Our Community
Adaeze's Boutique
Growing My Fashion Business with Confidence
Chidi Okonkwo
Financing My Education Without Stress
Mama Ngozi's Groceries
From Market Stall to Supermarket
Funke's Kitchen
Expanding My Catering Business
TechFix Lagos
Building My Tech Repair Shop
Olu's Poultry Farm
Investing in My Farm's Future
Blessing's Beauty Lounge
Opening My Beauty Salon
QuickRun Logistics
Scaling My Delivery Service
Tunde's Electronics
Launching My Online Store
The Adeyemi Family
Renovating My Family Home
Sweet Treats Bakery
Buying Equipment for My Bakery
Ayo's Custom Designs
Funding My Tailoring Workshop
What Financial Access Can Mean for Your Business
The assumptions
- You run a small business with monthly revenue of ₦500,000
- You currently lose 2-3 sales per week due to cash flow gaps
- Each lost sale averages ₦15,000 in revenue
- You pay 8% monthly interest to informal lenders when you need emergency funds
Projected additional revenue
₦1,440,000
per year, from improved cash flow and lower borrowing costs
Illustration only. Figures are based on median outcomes from our 2024 customer survey of small businesses in Lagos. Your actual results will depend on your business model, revenue, and how you deploy working capital.
Ready to Transform Your Financial Future?
Join thousands of Lagos entrepreneurs and individuals who are building better businesses and brighter futures with Lagos Microfinance. Open your account in minutes and get access to the financial tools you need to succeed.