AB Microfinance Bank Loans – review 2026
Pros
- Specialist SME lender with deep expertise in microfinance lending
- Business loans structured around trading cycles and seasonal cash flows
- Available to businesses operating in informal sectors without formal accounts
- Part of the international AccessHolding microfinance group
- Loans for both working capital and equipment/asset financing
Cons
- Annual interest rates significantly higher than commercial bank business loans
- Collateral or third-party guarantor typically required for larger amounts
- Longer processing time of 48 to 72 hours
- Maximum loan amount of ₦3,000,000 may be insufficient for growth-stage businesses
- Branch presence concentrated in urban and semi-urban locations
Requirements
- Evidence of active business operation (minimum 6 months)
- Valid government-issued ID
- Proof of residence
- Two guarantors or acceptable collateral
- Basic banking record or statement
Provider contacts
- Regulator
- Central Bank of Nigeria (CBN)
Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.