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EMFBank Microfinance Bank Nigeria offers entrepreneurs/group the opportunity to easily access loans to expand their business or meet their financial business goals. With our team of responsible, honest, trusted and professionals, we ensure that you get the right loan size and free financial advisory services.


  • Low collateral requirement
  • No upfront savings required
  • Interest is accrued on a declining rate
  • Early payment of loan attracts interest rebate
  • Methodology: Individual lending but group liability
  • Easy loan procedure
  • Tenure up to 6months – 1year
  • Expert financial advice available


  • Duly completed application form
  • 2 guarantors
  • 2 recent passport-size photographs
  • Current utility bill
  • A valid means of ID (national ID, driver’s license, voter's card or international passport)

  • Click below for information on:

    Macro Loan



    1. How do I open a Savings Account?
    Ans: To open a Savings account, you need to fill out the account opening form, bring 2 recent passport-size photographs, utility bill and a valid means of identification along to EMFBank.

    2. Who can operate a Saving Account?
    Ans: Anybody above 18 years of age can operate the account.

    3. Where can I open Savings Account?
    Ans: You can open Savings Account atEMFBank office. Our Client Support Officers (CSO) will be glad to open one for you.

    4. Do I need a guarantor to open a Savings Account?
    Ans: No