This is a loan made available to enable traders on a group-by-group basis to make good revenue and to meet their basic financial needs.

The bank will make loans available to members of the group based on the following:

1. The group has a minimum number of 10.
2. Unity Savings account will be opened with a compulsory deposit of 20% of the loan value.
3. The group members must have verifiable ongoing trades/skilsl.
4. The loan amount is dependent on the type of trade but a maximum of N100,000.00 is for the first disbursement.
5. Cross-guarantee among group members is permitted in additiom to a second independent guarantor who is not a member of the group.
6. The Independent guarantor will fill out the guarantee forms, provide a passport photograph and an acceptable form of identification. He/sh will attend an interview session followed by an executed commitment to repay if the borrower defaults.
7. The loan is for a period of 12-24 weeks, with one week of grace.
8. Valid ID eg Voters Card, Driver’s licence, International Passport
9. Homogenous grouping
10. 00 (Five Hundred Nairal only) registration fee.
11. BVN