Working capital for businesses
that move different.
Borrow from ₦100,000 to ₦9.5m, repay over 1 to 6 months, and manage everything — disbursement, repayment, sub-accounts, team access — from one Carbon Business account.
Apply for a loan →Request a call back
₦9.5M
Maximum loan
24–48h
Disbursement
6 Months
Max tenure
Check your eligibility
Takes 30 seconds. No hard credit check.
By continuing you agree Carbon may contact you about your application.
Looks good. You're likely eligible.
A Carbon credit officer will call 24562451523 within 1 business hour to walk you through your application.
Or request a call back at your convenience time.
Not quite ready — yet.
You don't fit our loan criteria today, but we'd love to help you bank with us first. Open a Carbon Business account, trade for 6 months, and you'll be eligible. We'll be in touch on 24562451523.
Or request a call back at your convenience time.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
CBN
Licensed by
Deposit Insured by
Trusted by thousands of Nigerian businesses
Gallery ImageGallery ImageGallery ImageGallery ImageGallery ImageGallery Image
Gallery ImageGallery ImageGallery ImageGallery ImageGallery ImageGallery Image
What You Get
Three loan products. Pick the one that fits.
Some businesses just need the basics. Others need higher limits, tighter controls, and more structure. Carbon lets you pick the account that works for where your business is today.. and more
Working Capital
Most popular
Stock, payroll, and the gap between invoices.
Short-tenure cash for the things that keep the business moving day-to-day.
Loan range
₦100K – ₦9.5M
Tenure
1 – 12 months
Disbursement
24–48 hrs
Apply for working capital
Asset Finance
Buy the equipment that pays for itself.
Spread the cost of a generator, freezer, POS fleet, delivery bike, or production tool.
Loan range
₦1M – ₦9.5M
Tenure
3 – 12 months
Security
Asset-secured
Finance an asset
Flex loan
Fast credit, unlocked by your deposit history.
A short-term loan of up to ₦500K, available to Carbon business customers who maintain a ₦150K balance.
Limit
₦100K – ₦500K
Requiremennt
Opening deposit of ₦150K
Interest
6% flat rate
Apply for flex loan
How it works
From "I need money" to "money in my account" in 4 steps.
30 seconds
Check eligibility
Tell us your turnover and trading history. We'll tell you on the spot if you're in range.
5 minutes
Apply in the app
Upload your CAC, 6 months of statements and a valid ID. No branch visit. No paper.
24–48 hours
Get a decision
A real Carbon credit officer reviews your application and comes back to you. Faster for existing customers.
Ready
Money in your account
Disbursed straight to your Carbon Business account. Repayments are auto-debited from your inflows.
Eligibility
Here's exactly what we look at.
No mystery rules. No "we'll let you know in 6–8 weeks". If you tick these, you're in the running.
Who qualifies
Registered Nigerian business (BN or RC)
At least 6 months of trading history
Average monthly turnover of ₦1,000,000+
Director/signatory aged 21–60
What you'll need
CAC certificate
6 months of business bank statements (any bank)
Valid government ID + BVN of signatory
Recent utility bill (business address)
Loan Calculator
See what your repayments could look like.
Move the slider to your loan amount, pick a tenure, and we'll show you an indicative monthly repayment. Final rate depends on your credit assessment — we'll tell you the exact number before you accept.
Apply for this amount →
Loan amount
₦500,000
1 month3 months9 months12 months6 months
Thank you! Your submission has been received!
Estimated monthly repayment
₦908,333
Principal
₦2,500,000
Total interest (est. 5%/mo)
₦225,000
Total repayment
₦2,725,000
Oops! Something went wrong while submitting the form.
Indicative only at 5% per month flat. Final rate depends on credit assessment.
Why Carbon
Built for businesses that move different.
Other lenders give you money. Carbon gives you a system to manage it.
🔗
Loan and account in one place
Your loan disburses into the same Carbon account you use to receive payments, pay suppliers and manage your team. No moving money between apps.
🔗
Repayments that match your cashflow
Daily, weekly or monthly schedules. Auto-debit from your inflows so you never miss a date and never get hit with surprise penalties.
👤
A real credit officer, not a chatbot
You'll speak to a Carbon credit officer by phone or WhatsApp before disbursement. Edge cases get explained, not rejected.
📈
Build your borrowing limit
Repay on time and your next limit goes up automatically. Six months in, most customers are borrowing 2–3× their starting amount.
The Banking That Powers the Loan
Smart banking, Built for Businesses That Move Different
The cool stuff inside Carbon Business that other banks don't have — built for humans, not engineers.
Split Inflows
Every payment that lands gets sorted before you see it.
Set rules so every naira that comes in automatically splits across the places it needs to go — savings, tax, supplier payments, loan repayment, owner's pay — in the percentages you choose. Stop touching money manually. Stop "borrowing from yourself".
Sub-Accounts
One business, many pockets — without opening a new bank account.
Inside your one Carbon Business account, create as many named sub-accounts as you want: "Tax", "Rent", "Stock", "Branch 2 cash". Each has its own balance and statement. Move money between them with a tap.
Team Banking
Let your team do the work, without handing over your password.
Add your accountant, manager or cashier to your Carbon Business account with their own login. Decide what each person can do: view only, raise transfers for approval, approve payments up to a limit, or full admin. You stay in control. Nothing leaves the account without your say-so.
Nexus
Get paid faster. Get paid everywhere.
Nexus is the way Carbon helps you collect money from your customers — by transfer, card, USSD, or a payment link you share on WhatsApp. Every payment lands in your Carbon Business account, ready to be split, saved, or used to repay your loan.
Real businesses
Borrowed. Repaid. Grew.
These aren't success stories we wrote. They're just what happened.

Ready to grow your business?

We'll answer in under 5 minutes during business hours.
Apply now →

Access fast loans and overdrafts

Monthly interest on deposits

Income and expenses Manager

Unlock the full potential of your business with a feature-rich account designed for growth.

Open a Business Account in 5 minutes
Business OS

Financial OS Built For Your Business

Empower your business with the right tools to bank anywhere while boosting revenue.

Business account

Open a Carbon Business bank account in 5 minutes.

Get Real-time visibility, initiate transactions, approve payments and manage your account balances from a single dashboard.

Create multiple sub-accounts for one business

Send Bulk payments to over 5,000 beneficiaries at once

Splits payments and manage account approvals

Get a business account in five minutes
Business loan

Access up to ₦9,500,000 in business loans

No need to wait for unpaid invoices or to take cash from rigid sources of financing. Get up to ₦9.5m within 48 hours to grow and expand your business.

No collateral or guarantor required

Affordable rates with up to 6 months tenor

Unlock higher loan amounts and lower interest rates by repaying loans on time.

Get business loan now!
Collections

Get Paid Everywhere

Let your customers complete payment faster by providing them with payment methods they are already familiar with.

Accept payment from anywhere in Nigeria

Create, share and track your customer invoices

Create payment links to request and accept payment from anywhere

Start getting paid today!
Investment

Earn up to 15.5% interest on your Fixed Deposit

Put your idle and excess cash to work. You save the money, we grow it! Earn up to 15% interest on your ‘Fixed’ savings in 12 months.

Choose between flexible, target or fixed plans

Lock away bulk sums for capital projects

Invest towards your long or short term goals

Start earning on your idle and excess cash today!

Want to find out more about Carbon Business?

Schedule a call with our team — we’ll help you get started and answer your questions.

Request a Call Back
Get started

Ready For Your Carbon business Experience

Get started in 3 easy steps now

Open a Business Account now

Create your account

Create a new account or Log in to your existing profile via our mobile or web app.

Complete your KYC/KYB

Complete your KYC/KYB by uploading the necessary information for review.

Start banking

You’re ready to go. Carry out all your banking transactions within the app.

Create your account

Create a new account or Log in to your existing profile via our mobile or web app.

Complete your KYC/KYB

Complete your KYC/KYB by uploading the necessary information for review.

Start banking

You’re ready to go. Carry out all your banking transactions within the app.

Banking for everyone

Regardless of the scale, sector or phase of growth of your organization

We consistently deliver exceptional value

Business Incorporation

Operating on your personal bank account? We help you register your business in Nigeria
Learn more

Small Businesses

Focus on growing your business, while we help you manage your financials

Startups

Banking and expense management targeted at startups, helping you stay in control.

Self-employed

Built for vendors, creatives, freelancers and sole proprietors. We help you grow
Brands & Corporates
Big brands have requirements, we understand, we help scale your finance department.
Get started with Carbon,
it only takes 5 minutes
Join thousands of businesses trusting Carbon for for simplified finance, credit and banking
Create a Business Account