Business Loans up to ₦10M for Nigerian SMEs
Fund inventory, expansion, and working capital for your shop, stall, or small business—not personal rent or school fees. BAFF Business Loans are built for traders and entrepreneurs who need capital to grow.
Need a personal loan from ₦10,000 instead? See BAFF Personal Loans →
Simplifying credit access for Africa.
Fast Application
Apply in minutes
Low Interest
Rates from 4%
Secure Process
Your data is safe
Flexible Repayment
Plans that fit you
Does This Sound Familiar?
Customers leave because you're out of stock.
You have demand but lack the capital to meet it.
Opportunities pass because you don't have enough funds.
You're waiting months to save before expanding.
Unexpected expenses slow your growth.
It doesn't have to stay that way.
Funding that Helps Your Business Grow
BAFF Business Loan gives you the capital to restock inventory, expand your shop, and meet rising customer demand—so you can grow with confidence.
- Restock faster
- Increase inventory
- Expand your business
- Meet customer demand
- Grow with confidence
Affordable Interest
Competitive rates starting from 4%.
Fast Application
Apply quickly and easily on the BAFF App.
Business Focused
Designed for traders, SMEs & entrepreneurs.
Flexible Repayment
Choose a repayment plan that fits your cash flow.
Get Started in 4 Simple Steps
From download to disbursement—everything happens in the BAFF app.
Download BAFF App
Upgrade to Tier 3
Complete Loan Application
Receive Funds Upon Approval
- 1
Download BAFF App
- 2
Upgrade to Tier 3
- 3
Complete Loan Application
- 4
Receive Funds Upon Approval
From Empty Shelves to a Thriving Business
“I used to lose sales because I couldn't afford to restock when demand was high. BAFF Business Loan gave me quick access to the funds I needed. Now my market stall is always stocked, my customers keep coming back, and my business is growing every week.”
Chioma E., Retail Trader, Lagos
Who Can Apply?
Market Women
Market Men
Shop Owners
Boutique Owners
Food Vendors
Wholesalers & Retailers
And other small business owners
Is a BAFF Business Loan right for you?
✓ This is for you if…
- You run a shop, stall, or small business in Nigeria
- You need to restock inventory or buy supplies in bulk
- You want working capital to meet customer demand
- You are expanding a market trade, boutique, or food business
✗ This is not for you if…
- You need money for personal rent, school fees, or emergencies
- You want a salary advance or small personal loan from ₦10,000
- You are not using the funds for business operations or growth
Want the full walkthrough? Read our business loan guide for Nigeria.
Ready to Grow Your Business?
Apply for a BAFF Business Loan today and get the funding you need to restock, expand, and thrive.
Business Loan
₦500,000
Available credit
Recent activity
Inventory restock
− ₦85,000
Trusted by thousands of Nigerian businesses.
Secure & Private.
Regulated & Compliant.
24/7 Customer Support.
Frequently Asked Questions
What is BAFF Business Loan?
BAFF Business Loan is affordable funding designed for traders, shop owners, and small businesses. Use it to restock inventory, expand operations, and meet customer demand—then repay on a schedule that fits your cash flow.
What is the interest rate?
Rates are competitive and start from 4%. Your exact rate depends on your business profile and loan amount. You will see your rate before you accept any offer in the BAFF app.
Who can apply?
Market women and men, shop owners, food vendors, POS operators, wholesalers, retailers, and other small business owners with a Tier 3 BAFF account can apply.
How fast is approval?
Most applications receive a decision in minutes. Once approved, funds can be disbursed quickly so you can restock or invest without delay.
What documents do I need?
You will need a valid ID, an active bank account linked to your BAFF profile, and a Tier 3 account. Additional documents may be requested based on your business type.
How do I repay my loan?
Choose a repayment plan that fits your cash flow. Repayments can be made directly from your BAFF wallet on your scheduled due dates.
Can I repay early?
Yes. You can repay your loan ahead of schedule with no prepayment penalty.
Is BAFF licensed?
BAFF is licensed as a lender by the FCCPC and the Lagos State Government, so you can access credit with a regulated financial partner.