Our Products & Services
Discover tailored savings accounts, micro-credit facilities, and assets financing.
Easy Buy (Asset Finance)
Acquire household electronics, generators, transport tricycles, and shop machinery without draining your cash reserves. Spread your repayments over comfortable tenures.
Key Features:
- Buy essential household and business assets immediately
- Flexible monthly or weekly repayment tenures up to 12 months
- Minimal down payment with rapid credit verification
Savings Account
A secure savings platform designed to compound your wealth. Whether saving for personal security or business capital, we pay high-yield interest options with zero maintenance fees.
Key Features:
- Earn attractive interest rates paid monthly
- Landgold Target Savings for festivals, weddings, and inventory
- Safe debit card alerts, SMS indicators, and online statements
Current Account
Empower your business checkouts and retail payrolls. Our current accounts provide unlimited transactions, clearing checks, and specialized POS payment processing.
Key Features:
- Flexible check clearing and third-party withdrawals
- Supports merchant POS installation at your branch or store
- Dedicated corporate team for payroll and business advice
Daily Savings Scheme (Alajo / Esusu)
Tailored Daily micro-contributions for market women, traders, and artisans. Save comfortably at your shop without needing to visit the branch.
Key Features:
- Dedicated bank collectors visit your market stall daily
- Save small sums daily (e.g. ₦1,000, ₦2,000) and access it anytime
- Active savers qualify for fast micro-business capital loans
SME Working Capital Loans
Expand your business inventory, buy wholesale stocks, and fund operations. Our business loans feature friendly interest rates and simple collateral verification.
Key Features:
- Fast appraisal and disbursement (usually within 3-5 working days)
- Guarantor-based and inventory collateral structures
- Repayment plans matching your cash flow cycle (weekly/monthly)
Central Bank Intervention Funds
Leverage national intervention funds (such as AGSMEIS or Anchor Borrowers) designed for small business inclusion. Perfect for agrobusiness, retail expansion, and manufacturing.
Key Features:
- Extremely low single-digit interest rates (5% to 9% APY)
- Extended moratorium periods and long repayment structures
- Direct CBN and NIRSAL partnership application routing
Account Opening & Credit Requirements
Review the checklist needed to open savings/current accounts or apply for micro-credit at our Agbado branch.
| Product Type | Target Audience | Required Documents |
|---|---|---|
| Savings Account | Individuals, Artisans, Salaried Workers | - Valid Government ID (NIN, voter card, drivers license) - 2 passport-size photographs - Utility bill (not older than 3 months) |
| Current Account | Registered SMEs, Corporates, Merchants | - CAC Registration document (for business accounts) - Directors' IDs & passport photos - Board resolution (if applicable) - Utility bill of office/shop |
| Daily Savings Scheme | Market Women, Shop Traders, Artisans | - Simple biodata form - 1 passport-size photograph - Verification of market stall/shop location |
| SME Working Capital Loans | Retailers, Business Owners, Distributors | - Active Landgold MFB account (for at least 3 months) - Shop inventory log/sales records - 2 creditworthy guarantors - CAC document (if applicable) |
| Central Bank Intervention Loans | Agrobusinesses, Manufacturers, Key SMEs | - Certificate of business registration (CAC) - Business plan/feasibility report - Financial statements - Co-guarantor or asset collateral validation |