Business financing
From a market stall in Jimeta to a rice mill in Numan — we finance Adamawa businesses through trade, lease and partnership contracts. Our return comes from your success, never from interest.
We buy it. You own it.
Need stock, equipment or raw materials? We purchase the asset and sell it to you at a transparent, agreed mark-up — paid in instalments that never change. No interest, no surprises.
Your business. Our capital. Shared outcome.
We invest in your business alongside you and share the profit — and the risk — by a pre-agreed ratio. A true partnership, not a debt hanging over your shop.
Use it today. Own it tomorrow.
Tractors, keke, grinding machines, delivery vans — we lease productive assets to you for a fixed rental, and ownership transfers to you at the end of the term.
Paid today for tomorrow's harvest.
Built for Adamawa's farmers. We pay you the full price of your produce upfront — maize, groundnut, rice, livestock — and take delivery at harvest. Cash when you need it most: planting season.
Most Murabaha requests are decided within 72 hours of complete documentation.
How partnership banking works
Walk into a branch, call, or apply from your phone. A relationship officer — not a form — looks at your trade, your market and your plan.
We purchase the asset, pay for the harvest, or invest capital alongside you under a contract certified by our scholars. You see every number before you sign.
You pay fixed instalments or share profits by the agreed ratio. When the term ends, the asset — and the whole business — is fully yours.
Open an account in minutes, or sit with us about financing your business. Either way — not one kobo of interest.