A loan with terms you can read in one sitting.
Bemo Capital lends to Nigerian traders, builders, professionals and small businesses. Your officer prices the facility in front of you, you see the full repayment schedule before you sign, and the money lands the same day it is approved.
Sit with a real officer
Onboarding happens with a named relationship officer who collects your ID, address and guarantor details once — not at every visit.
Products for your trade
Personal, business and cooperative facilities, each with a set rate, tenor and admin fee so you know the cost up front.
Priced before you sign
Your monthly instalment, total interest and final repayment are calculated in front of you — no surprise figures later.
Signed and downloadable
Sign the agreement in branch or on the app, then download the signed agreement and schedule any time from your portal.
Same-day disbursement
Approved facilities are disbursed to your bank account the same working day, with the schedule starting the month after.
Licensed and insured
Every facility is booked inside a CBN-licensed institution with NDIC-insured deposits and NDPA-compliant record keeping.
Interest on what you still owe — nothing more
We use the reducing-balance method, so interest is charged only on your outstanding principal. As you repay, the interest portion shrinks and more of every instalment clears your loan.
Speak to a loan officer