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health
Nail Technician (Home Studio)
Offer nail art, gel nails, acrylic sets, and manicures from your home studio. Regular clients return every 2–3 weeks, creating reliable recurring income with minimal overhead.
💰 Ways to Fund This
SMEDAN Programmes (free registration, training, grant windows)
₦0–₦3,000,000
Government Fund
Nigerian-owned micro or small business. Free CAC business name registration via the CAC-SMEDAN partnership is a common entry point.
📊 Varies by scheme — many components are free or grant-based; some link to subsidized loans.
NIRSAL Microfinance Bank — Targeted Credit Facility (TCF)
₦50,000–₦25,000,000
Microloan
Nigerian household, micro-enterprise, or small business; originally COVID-era, has continued as a general SME/household facility — confirm current status before applying.
📊 5% per annum interest — among the cheapest business credit available in Nigeria.
Bank of Agriculture (BOA)
₦50,000–₦5,000,000
Government Fund
Nigerian farmer, agro-processor, or agribusiness owner, including aggregators; scheme-specific eligibility varies.
📊 Subsidized agricultural lending rates — confirm current terms per scheme.
LSETF (Lagos State Employment Trust Fund)
₦50,000–₦1,000,000
Government Fund
Lagos State resident, business plan required, typically for registered or registering small businesses.
📊 Low/subsidized interest rates for qualifying Lagos-based entrepreneurs — confirm current scheme terms.
⚠️ Informational only — not financial advice. Confirm current terms directly with each provider before applying, and borrow only what you can repay.