Powering dreams for Nigerian businesses.
We've spent 13+ years learning what Nigerian SMEs need from a financial partner — fast decisions, honest pricing, and a team that answers the phone.
₦2B+
Disbursed to customers
4,000+
Businesses served
CBN
Licensed institution
13+
Years of service
Our story
Bemo Capital was founded to close the credit gap for small and medium-sized businesses that keep Nigeria's economy running. What started as a two-branch cooperative has grown into a licensed microfinance bank serving thousands of customers across the country.
Every loan we book, every card we issue, and every naira we save for you is backed by a regulated institution and a team that treats your money like our own.
What we stand for
- Transparent pricing. Rates are shown before you sign. No fine print.
- Fast decisions. Applications reviewed the same day.
- Regulated & insured. CBN licensed. NDIC insured.
- People-first support. A relationship manager for every business customer.
Our people
The team behind every approval.
Chukwuemeka Bemo
Managing Director / CEO
Thirteen years in Nigerian retail and SME lending, with a simple rule: decide fast, price honestly.
Ngozi Adeyemi
Chief Operating Officer
Runs onboarding, disbursement and collections — the engine room behind same-day credit.
Tunde Balogun
Head of Credit & Risk
Builds the scoring and portfolio controls that keep lending healthy for customers and the bank.
Amara Nwosu
Head of Customer Experience
Leads the relationship managers who answer the phone when a business needs an answer.