GrantPilot does not give out this funding; Accion Microfinance Bank does. We help you find it, check it is real and get ready to apply.
My SME Capital Loan is a working capital and asset finance product from Accion Microfinance Bank for registered SMEs in technology, agriculture and services. You can borrow from ₦2 million up to the bank's approved limit, but you must have been trading for at least 12 months.
Digital SME loan product delivering working capital and asset finance for small and medium enterprises, ranging from ₦2 million up to the bank’s approved SME limits.
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Registered SME, minimum 12 months operation, valid ID, CAC, financial statements, digital KYC via AccionMonie app.
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Accion Microfinance Bank will review your application, financial documents and KYC verification. The bank assesses your business operation history, financial health and repayment capacity. You will typically receive a decision within a few working days; the exact timeline is not published, but approval depends on meeting the 12-month trading requirement and submitting complete documentation.
What reviewers look for
The sources do not state a specific timeline. You should expect a decision within a few working days if your documentation is complete and you meet all eligibility criteria, but contact Accion directly for an exact estimate.
You will not qualify for My SME Capital Loan. Accion requires a minimum of 12 months of operation. You may be eligible for other Accion products such as MyOwn Loan (₦50,000–₦499,999) if your business is newer.
The product is described as asset finance, which typically means collateral is involved, but the sources do not explicitly state collateral requirements. Contact Accion to clarify what security they will require for your loan amount.
You can borrow from ₦2 million up to Accion's approved SME limits. The maximum depends on your business financials and credit assessment—there is no fixed ceiling stated.
No deadline is published. This is a rolling programme, so you can apply at any time, provided your business meets the eligibility requirements.
Guide written from the official programme page on 1 November 2026. Funders change their rules, so confirm the details on the official page before you apply.
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