SME Loans

  • Minimum Amount: GH¢ 1,000.00
  • Maximum Amount: GH¢ 200, 000.00
  • Duration: 1 – 12 months


  • Application Letter
  • Evidence of operation (such as Certificate to Commence Business)
  • Valid Identification Card


  • 20% of Loan amount
  • Traders Stock Pledge
  • Personal Guarantee
  • Third Party Guarantee (Valid I.D. Required)

Benefits of SME Loan

  • Reliable and quick source of finance.
  • Flexible and structured repayment terms.
  • Useful for a wide range of purposes.
  • Access to working capital to expand your business.

Terms and Conditions:

  • Business should operate from identifiable premises.
  • Business should be registered.
  • Applicant should operate account(s) with NIB.
  • Non-customers and Non-registered businesses may be considered on a case by case basis.


The Bank also has savings products tailored for SME clients. These are:

Sign-up to receive our newsletter

...on Social Media