SME Grow My Business
SME Grow My Business (SME-GMB) is the bank’s unique and attractive proposition to micro, small and medium businesses. Are you a small business? If yes, then SME Grow My Business is for you. This is us partnering with you beyond core banking services to support your business growth objectives.
Take full benefit of our several value propositions when you get the SME Grow My Business account for your registered business name or limited liability company.
Basic SME-GMB Account features include:
- Zero opening balance
- Minimum operating balance of N20,000
- Monthly account management fee (AMF) of N2,000
- AMF of N0.50k/ mile where monthly turnover is more than N40 million
Visit any of our branches to open your SME-GMB Account today.
Our offerings to support your business efficiency and improve your productivity include but are not limited to:
- Customized SME card to track the business expenses
- Support to digitize the business processes and operations
- Swift and free enrolment on Google Business Profile to expose the business on the web for a wider visibility and customer reach
- Business Protection Insurance for assets of the business at discounted premium
- Capacity building with trainings and skills enrichment programs to build better management capabilities
- Partnership connections with key Corporates and SME Hubs to access other business essentials and provide numerous other free digital tools and services

Loan Products
SME Grow My Biz (GMB) offers a wide assortment of loan types to cater for every business contingency. So bring on the big ideas and let us make a difference.
Z-WOMAN LOAN
Z-Woman
Z-Woman is our loan product for female owned businesses for all sectors primarily geared toward growing our SME sub-sector and diversifying our customer base.
Eligibility
Female owned businesses with shareholding of 50% or any majority shareholding provided it's owned by a woman.
Purpose
Business Expansion (Working Capital Requirements, Purchase of Raw Materials, Raw Materials & Infrastructure upgrade)
Sectors
All
Rate: 14.5% p.a
Maximum Loan Amount: N10M
Loan tenor: 12 to 24 months
Repayment
Monthly or quarterly repayments in line customer’s cash flow from sales/collections into account with Zenith Bank
Management Fee: 1% flat
Security
Acceptance of the BVN covenant, Personal guarantee of customer, Insurance, Positive Credit Checks, and Company Profile
How to Apply
To apply for Z-Woman Business Package, simply visit the nearest Zenith Bank branch.
Enquiries
For more enquiries, kindly send an email to zenithretail@zenithbank.com or zenithdirect@zenithbank.com
SME LOAN
Our SME Loan is structured to provide access to funds for business expansion needs with flexible repayment plans and competitive interest rates for specific business sectors. This loan type has been specially designed to promote expansion in the Beauty/fashion, Confectionery and Fitfam/healthy living sectors.
Eligibility
MSMEs duly registered in Nigeria.Purpose
Business Expansion (Working Capital Requirements, Purchase of Raw Materials, Raw Materials & Infrastructure upgrade)SectorsBeauty, Fashion & Style; Food, Bakery & Confectionery; Health, Fitness & Wellness.
Rate: 14.5% p.a
Maximum Loan Amount: N5M
Loan tenor: 12 to 24 months
Repayment
Flexible repayments in line customer’s cash flow from sales/collections into account with Zenith BankManagement Fee: 1% flat
Security
Acceptance of the BVN covenant, Personal guarantee of customer, Insurance, Positive Credit Checks and Company ProfileHow to Apply
To apply for the Zenith SME loan, simply visit the nearest Zenith Bank branch and speak to any of our relationship managers.Enquiries zenithretail@zenithbank.com or zenithdirect@zenithbank.com
For more enquiries, kindly send an email toSUB DISTRIBUTOR FINANCE
Our Sub Distributor Finance Scheme is structured to provide businesses access finance to purchase inventory from Key Distributors (KDs) of major fast-moving consumer good (FMCGs) companies.
Eligibility:
Businesses that are sub-distributors or downlines of pre-approved Key Distributors to select FMCGs and corporates
Purpose:
Access funds to purchase inventory from the main distributor to the FMCG
Sectors: General
Loan Type: Overdraft / Term
Rate: 21% p.a.
Loan Amount: N500,000= to N 5,000,000=
Tenor: 12 to 24 months
Repayment
Flexible/ tenured repayments in line with business cash flow from sales and collections into your Zenith Bank account
Management Fee: 1% flat
Security
Acceptance of the BVN covenant, Personal guarantee of customer, Insurance, Positive Credit Checks and Company Profile, Recommendation Letter from the Key Distributor
How to Apply
Contact your account relationship manager or visit your nearest Zenith Bank branch.
Enquiries
For more enquiries, kindly send an email to sme@zenithbank.com

Google My Business
With Google My Business, you get more than a business listing. Your free business profile lets you easily connect with customers across Google Search and Maps.

Insure Your Business
Insurance is a form of risk management used to hedge against the risk of uncertain loss and provide a guarantee of compensation and peace of mind for the specified loss in return for a specified premium. It also helps you pay for damage to your property or pay others on your behalf when you damage their property.
Recommended Products:
- Motor Insurance
- Group Personal Accident
- Combined Fire & Burglary
- Plant All Risk
Engage your Account Relationship Manager for guidance.
Business Tools
The Mortgage calculator helps you to estimate your monthly mortgage payment and see how changes to the term of your mortgage could impact on your repayments.