Private Sector & MSME Loans
Get Funds Instantly,
Grow Without Limits
Access fast, flexible financing designed for private sector workers, MSMEs, traders, and professionals—without long delays or complicated processes.
Required Documents
What You’ll Need
Before applying, ensure your documents are ready for a fast and smooth approval.
Valid Identification
Provide a valid means of identification such as your NIN, Work ID, or International Passport to verify your identity safely.
Bank Statement
Provide a recent three-month bank statement reflecting your salary credits and financial activity for eligibility assessment.
Recent Payslips
Submit your last three months’ payslips to confirm your regular income and verify salary consistency with your employer.
Employment Confirmation Letter
If requested, include a signed employment confirmation letter from your HR department to validate your employment status and position.
Estimate Your Monthly Repayments
Adjust the sliders to see how much you’ll pay each month
₦50,000
₦100,000
3 months
Monthly Payment
Total Payable
Total Interest
Smart Loan Calculator
Use our Smart Loan Calculator to estimate repayments, compare terms, and find a plan that fits your budget.
Private Sector & MSME Loan Options
Flexible Funding Made Simple
solar financing.
01 Working Capital It provides financial support to registered businesses that need
extra funds to manage daily operations or expand their activities.
extra funds to manage daily operations or expand their activities.
02 Personal Loan This offers salaried individuals quick and flexible access to funds to
meet their personal or urgent financial needs.
meet their personal or urgent financial needs.
03 Car Backed loans This provides quick access to funds using your vehicle as collateral
up to ₦100m— a convenient option for meeting urgent financial
needs without selling your car.
up to ₦100m— a convenient option for meeting urgent financial
needs without selling your car.
04 Vehicle Lease This allows customers to drive their preferred vehicles by making an
initial down payment and paying conveniently over an agreed period.
initial down payment and paying conveniently over an agreed period.
05 Solar Financing This is designed to help individuals, salary earners, & businesses access affordable funding for clean, reliable solar energy solutions to power their homes and operations.
Key Benefits
Fuel Your Business Growth
supports sustainable business growth.
For All Businesses
Ideal for SMEs, startups, & established companies.
Growth Capital
Expand operations faster and increase revenue growth.
Working Capital
Manage daily cash flow and sustain smooth operations.
Flexible Terms
Repayment plans designed to suit your business.
Ready to Grow Your Business?
Apply now and take your business to the next level with flexible business loans — fast capital, easier repayments, and support to scale with confidence.
How It Works
Get Instant Funds in
3 Simple Steps
Applying for your HFC Private Sector & MSME Loan is simple and straightforward. Follow these easy steps to access the capital your business needs — without stress, delays, or complicated requirements.
Step 1
Apply Online
Complete a short form in minutes
Step 2
Get Verified
We assess your eligibility instantly
Step 3
Receive Funds
Approved amount hits your account within 24 hours
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