Zenith Bank Z-Woman Loan

About this opportunity

The Zenith Bank Z‑Woman Loan offers up to ₦10 million at a single‑digit interest rate for female‑owned SMEs. Ensure you have a Zenith Bank SME account and the required documents before you apply.

Who can apply

• Applicant must be a woman
• Applicant must own or manage an SME
• Applicant must have a Zenith Bank SME account

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Full eligibility wording from the listing

Applicant must be a woman and own or manage an SME. Must have a Zenith Bank SME account. Standard documentation: business registration, CAC certificate, 12-month bank statements.

Documents you will need

• Business registration certificate
• CAC certificate
• 12‑month bank statements
• Proof of ownership or management by a woman

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How to apply, step by step

1. Confirm you hold an active SME account with Zenith Bank.
2. Collect the required documents (registration, CAC, bank statements, ownership proof).
3. Visit the nearest Zenith Bank branch or log onto the bank’s SME portal to complete the loan application form.
4. Attach the documents and submit the application to the SME lending desk.
5. Wait for the bank’s credit assessment and receive the loan offer.
6. Sign the loan agreement and arrange the repayment schedule aligned to your cash flow.

How applications are selected

What reviewers look for

• Strong cash‑flow statements improve your chance of approval.
• Having an existing Zenith Bank SME account speeds up processing.
• Complete and accurate documentation is essential; missing items cause delays.
• A realistic repayment plan aligned to your revenue stream is looked upon favourably.

Frequently asked questions

Guide written from the official programme page on 11 November 2026. Funders change their rules, so confirm the details on the official page before you apply.

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