United Bank for Africa (UBA) is committed to supporting both employees and entrepreneurs with innovative loan products. From SME funding to school financing, UBA ensures credit is available for various business and personal goals.
By offering sector-specific facilities and flexible repayment terms, UBA bridges financial gaps, enabling individuals and businesses to expand confidently. Its range of products reflects dedication to building sustainable growth in Africa.
1. UBA Working Capital Loan
The Working Capital Loan provides up to NGN 50 million, enabling businesses to handle short-term operational expenses. It supports daily business obligations and ensures companies maintain liquidity to meet urgent demands.
This facility is ideal for SMEs requiring cash flow stability to fulfill supply orders or manage payroll. With customized repayment schedules, businesses enjoy flexibility, aligning obligations with revenue inflows and operational capacity.
2. UBA SME Asset Finance
The SME Asset Finance loan helps businesses acquire essential equipment, machinery, and tools required for growth. It is available to critical sectors such as manufacturing, healthcare, and agriculture, fueling expansion and operational efficiency.
This facility ensures SMEs can scale operations by accessing modern technology and infrastructure. By financing vital assets, UBA enables businesses to remain competitive, sustainable, and positioned for long-term industry success.
3. UBA Healthcare Intervention Facility
This product is targeted at private hospitals, diagnostic centers, medical laboratories, and pharmacies. It provides financing for equipment, supplies, and expansion, enabling healthcare providers to increase capacity and improve medical service delivery.
By strengthening healthcare infrastructure, UBA supports medical institutions in serving more patients while enhancing long-term operational sustainability. The facility reflects the bank’s role in addressing social and economic priorities.
4. Creative Industry Finance Scheme
UBA supports Nigeria’s booming creative industry with a finance scheme offering long-term, low-interest loans. Entrepreneurs in film, fashion, IT, and music gain access to structured credit to fund creative projects.
This scheme stimulates growth in entertainment and digital entrepreneurship, empowering young innovators. By providing affordable financing, UBA helps nurture talent while boosting Nigeria’s global recognition in the creative sector.
5. UBA Young Entrepreneurs and School Loans
The Young Entrepreneurs Loan gives startups and SMEs run by young professionals access to capital for expansion. It strengthens new businesses by providing credit support essential for long-term growth.
UBA also offers School Loans, a medium-to-long-term facility for private schools. It includes short-term working capital, asset finance, and mortgages, helping schools improve infrastructure and meet academic demands sustainably.
Advantages of UBA Loans
- Wide range of products for multiple sectors and personal needs.
- Flexible repayment schedules tailored to customer income or revenue.
- Access to high credit limits for SMEs and entrepreneurs.
- Support for education, healthcare, and creative industries.
- Loans structured to promote long-term growth and stability.
- Digital and traditional application options available nationwide.
Why Entrepreneurs Benefit from UBA Financing
UBA’s tailored loans provide young entrepreneurs with the confidence to expand businesses. With flexible repayment terms, they can manage credit responsibly while focusing on innovation, productivity, and customer satisfaction.
By supporting SMEs and startups, UBA plays a crucial role in driving Africa’s economic transformation. Each product addresses specific challenges businesses face, ensuring credit solutions fit their sector’s unique requirements.
Entrepreneurs benefit not only from funding but also from partnerships. UBA strengthens trust with clients, offering advisory services, training, and long-term support beyond initial credit disbursement.
This comprehensive approach ensures that businesses do not just survive but thrive. By combining financial assistance with guidance, UBA empowers entrepreneurs to succeed in competitive markets.
How Employees Can Leverage UBA Loans
Employees benefit from products like Salary Advances, Personal Loans, and School Loans. These facilities bridge financial gaps, making it easier for individuals to handle emergencies, education, or long-term investments.
With structured deductions directly from salaries, repayment becomes manageable. UBA ensures employees maintain liquidity while meeting obligations, reducing financial stress and creating peace of mind.
For employees with entrepreneurial aspirations, UBA loans serve as seed funding. They can start businesses, invest in personal projects, or fund skill development, creating opportunities for career and income diversification.
Ultimately, UBA positions itself as a reliable partner for employees by combining ease of access, structured repayment, and sector-specific support in its loan portfolio.
Ready to Explore UBA Loans?
Enjoyed learning about UBA’s loans for employees and entrepreneurs? These products are built to help you achieve financial security while growing businesses or meeting personal needs with confidence and simplicity.
Choosing the right loan product empowers you to plan for the future responsibly. With UBA’s trusted solutions, financial growth becomes not only achievable but also sustainable for every customer.