Home / Loans

● Trader, Micro, Asset & Mortgage Loans

Loans that fit how you trade and how you live

Quick, affordable loans for market women, artisans and small traders who cannot get credit from regular banks. Repay in small daily or weekly amounts.

CREDIT FOR THE UNDERBANKED

Over ₦3bn+ lent to traders others turned away

Most of our borrowers are market women and small business owners in financially excluded communities. They have the hustle, but not the collateral or paperwork that banks ask for.

Osb looks at your savings history and how your business runs, not just what you own. That is how we have lent more than ₦3bn, with 80% going to market women and traders.

  • ✓Loans of up to ₦30m, repaid within 90 days
  • ✓Repay daily, weekly or monthly
  • ✓Money usually paid out within 48 hours

LOAN FEATURES

Loan terms at a glance

Ask at any branch for the full terms.

LOAN SIZEUp to ₦30m (Trader) · ₦1m (Micro)
ELIGIBILITYSave with Osb for at least 30 days
TENUREUp to 90 days
REPAYMENTDaily, weekly or monthly
GUARANTORSTwo guarantors with collateral
DISBURSEMENTUsually within 48 hours

LOAN OPTIONS

Pick the loan that suits your business

₦

Trader Loans

Working capital of up to ₦30m to restock, buy in bulk and grow your shop. Up to 90 days to repay.

Apply now →
↗

Micro Loans

Quick loans of up to ₦1m for artisans and microbusinesses, repaid in amounts that fit your income.

Apply now →
⚙

Asset Financing

For existing customers. Get the equipment or machines your business needs with a 30% contribution. The asset is yours once the loan is repaid.

Apply now →
⌂

Micro Mortgage

Own a market stall or property bit by bit. We work with developers and government to collect your daily payments towards ownership.

Apply now →

HOW IT WORKS

From application to growth

1

Apply

At any Osb branch or online.

2

Assessment

We review your savings and business activity.

3

Approval

Get a decision and clear loan terms.

4

Disbursement

Funds paid to your bank or wallet.

5

Repay & grow

Small repayments; qualify for more.

ELIGIBILITY

Do I qualify for an Osb loan?

  • ✓You run a small business or trade
  • ✓You have a valid ID and your BVN
  • ✓You have saved with Osb for at least 30 days
  • ✓You have two guarantors

FAQS

Loan questions, answered

Can I get a loan without collateral?

Yes. Osb loans are designed for traders who do not have property or formal collateral. We look at your savings record with us and how your business runs.

Ready to grow your business?

Get the capital to restock, expand and earn more.