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● Trader, Micro, Asset & Mortgage LoansLoans that fit how you trade and how you live
Quick, affordable loans for market women, artisans and small traders who cannot get credit from regular banks. Repay in small daily or weekly amounts.
CREDIT FOR THE UNDERBANKED
Over ₦3bn+ lent to traders others turned away
Most of our borrowers are market women and small business owners in financially excluded communities. They have the hustle, but not the collateral or paperwork that banks ask for.
Osb looks at your savings history and how your business runs, not just what you own. That is how we have lent more than ₦3bn, with 80% going to market women and traders.
- ✓Loans of up to ₦30m, repaid within 90 days
- ✓Repay daily, weekly or monthly
- ✓Money usually paid out within 48 hours
LOAN FEATURES
Loan terms at a glance
Ask at any branch for the full terms.
LOAN OPTIONS
Pick the loan that suits your business
Trader Loans
Working capital of up to ₦30m to restock, buy in bulk and grow your shop. Up to 90 days to repay.
Apply now →Micro Loans
Quick loans of up to ₦1m for artisans and microbusinesses, repaid in amounts that fit your income.
Apply now →Asset Financing
For existing customers. Get the equipment or machines your business needs with a 30% contribution. The asset is yours once the loan is repaid.
Apply now →Micro Mortgage
Own a market stall or property bit by bit. We work with developers and government to collect your daily payments towards ownership.
Apply now →HOW IT WORKS
From application to growth
Apply
At any Osb branch or online.
Assessment
We review your savings and business activity.
Approval
Get a decision and clear loan terms.
Disbursement
Funds paid to your bank or wallet.
Repay & grow
Small repayments; qualify for more.
ELIGIBILITY
Do I qualify for an Osb loan?
- ✓You run a small business or trade
- ✓You have a valid ID and your BVN
- ✓You have saved with Osb for at least 30 days
- ✓You have two guarantors
FAQS
Loan questions, answered
Can I get a loan without collateral?
Yes. Osb loans are designed for traders who do not have property or formal collateral. We look at your savings record with us and how your business runs.
Ready to grow your business?
Get the capital to restock, expand and earn more.