GrantPilot does not give out this funding; Access Bank Plc does. We help you find it, check it is real and get ready to apply.
Access Bank lends ₦1–₦100 million to female-owned businesses for working capital, equipment, and expansion at 24.5% p.a. You need 51–100% female ownership, CAC registration, and one year of trading.
Dedicated financing scheme for 100% female-owned and managed businesses. Provides loans from ₦1–₦100 million at 24.5% p.a. for working capital, business expansion, and asset acquisition. Available in time/term and vehicle loan variants.
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100% female ownership and management; business registered with CAC and operational for at least 1 year; loan amount subject to business turnover; personal/corporate guarantees; BVN/NIN; business financial records.
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Access Bank assesses your application against eligibility criteria, verifies your registration status and one year of operation, conducts credit checks, and determines your maximum loan amount based on your business turnover. They will also evaluate your security options—either a credible guarantor, an all-asset debenture, or a legal mortgage. You will be informed of approval status, the loan amount offered, and the interest rate applicable to your business structure.
What reviewers look for
No. You can apply with 51–100% female ownership, or with 20–50% female ownership if a woman is your CEO or COO. However, 100% female-owned businesses qualify for the lowest rate (24.5% p.a.).
Your business must be formally registered with CAC and operational for at least one year. You will need to provide 12 months of bank statements.
Working capital (to buy raw materials or cover daily operating costs), asset acquisition (machinery, equipment, fixed assets), business expansion, or vehicle purchase (via the W Power Vehicle Loan variant).
Working capital loans are repaid over 12 months. Asset acquisition and business expansion loans are repaid over 36 months.
For asset acquisition and business expansion, you must contribute 20% equity. Working capital loans do not require an equity contribution.
Guide written from the official programme page on 7 November 2026. Funders change their rules, so confirm the details on the official page before you apply.
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