Product
Everything you need to grow
Instant loan approvals
Apply in minutes, get approved in seconds. Our AI-powered credit scoring evaluates your business activity, mobile money history, and community trust signals to deliver fair decisions without the paperwork mountain.
Smart savings goals
Set targets for inventory, school fees, or emergency funds. Automated round-ups from every transaction and flexible lock periods help you build reserves without thinking about it every day.
Real-time financial insights
See cash flow patterns, expense breakdowns, and revenue trends updated with every transaction. Spot the slow weeks before they hurt, and know exactly when you can afford to restock or expand.
Zero-fee transfers
Send money to suppliers, pay staff, or settle invoices without transaction charges eating into your margin. Instant settlement between MicroBank accounts, same-day for all Nigerian banks.
Community credit circles
Join or create savings groups with neighbors and fellow traders. Pooled funds unlock better loan rates, and every on-time repayment strengthens everyone's credit score in the circle.
Bill payment reminders
Never miss rent, utilities, or supplier deadlines. Smart notifications learn your payment patterns and warn you three days early when a due date coincides with a historically tight cash week.
Works with the tools you already use
Ready to take control of your finances?
Join over 45,000 small businesses and individuals across Lagos who've moved from hoping they can make it to knowing they will. Open your account in under five minutes — no paperwork, no branch visit, no minimum balance.