Business Loan
Flexible financing designed specifically for traders who buy and sell goods.
Running a trading business requires constant movement of goods, capital, and opportunity. At GH Trust, we understand the everyday realities of traders—restocking inventory, managing supplier payments, and meeting customer demand.
The GH Trust Business Loan is designed to provide reliable working capital to traders so they can grow their businesses, increase stock levels, and take advantage of profitable market opportunities without unnecessary financial stress
Loan Eligibility
To qualify for the GH Trust Business Loan, applicants must meet the following requirements:
Business must have existed for at least 3 years
Verifiable cash flow demonstrating active trading
Proof of shop ownership or shop rent agreement
Valid identification
Bank Verification Number (BVN)
Recent passport photographs
For loans of ₦100,000 and above, applicants must also provide:
A guarantor or acceptable collateral
These requirements help ensure responsible lending and protect both the borrower and the lending community.
Loan Pricing
Our pricing structure is designed to be transparent and straightforward.
Upfront Fee
3% processing fee (non-refundable)
Interest Rate
8% flat monthly interest
Interest is paid at the back-end during repayment.
This structure allows traders to focus on growing their business before completing repayment obligations.
Flexible Repayment Options
We understand that trading businesses operate on different cash flow cycles. That is why GH Trust offers flexible repayment schedules tailored to your business operations:
Daily repayment – ideal for high-volume market traders
Weekly repayment – suitable for moderate turnover businesses
Monthly repayment – for structured shop-based operations
Our goal is to align repayments with your real business cash flow, not create unnecessary pressure.
Requirements
Business must have existed for at least 3 years
Verifiable cash flow demonstrating active trading
Proof of shop ownership or shop rent agreement
Valid identification
Bank Verification Number (BVN)
Recent passport photographs
For loans of ₦100,000 and above, applicants must also provide:
A guarantor or acceptable collateral (Download Here)
Start your Application Now!
FAQs
Is GH Trust a registered and licensed company?
Yes. GH Trust International Limited is registered with the Corporate Affairs Commission (CAC) and operates with a valid State Lender’s Permit. We are fully committed to transparent and lawful financial operations.
How long does it take to process a loan?
Processing time depends on the loan type and submission of complete documents. Most loans are reviewed and processed within a few working days once all required documents are provided.
How do I open a savings or investment account?
Opening an account is simple. Fill out the required form, and submit valid identification and necessary documentation. Our staff will guide you through the entire process. You can also visit any of our branches or contact our team,
What savings plans does GH Trust offer?
We offer Yearly Thrift (7.5% interest), Fixed Savings (5% interest), Regular Savings (0.5% interest), and Save-to-Invest plans designed to help you build capital consistently.
How is interest calculated on savings?
Interest is calculated based on the specific savings product you choose and the duration of your deposit. All rates are clearly stated before activation.