welcome to Zhabest Microcredit Nigeria
Empowering Dreams, Financing Growth
Zhabest Microcredit Nigeria is a licensed microcredit institution dedicated to advancing financial inclusion, economic empowerment, and community development across Nigeria. We provide tailored financial solutions that meet the real-life needs of traders, artisans, civil servants, pensioners, and salary earners in both the public and private sectors.
quick loan process
very low rates
small business loan
Savings Account
Some of Our Products
Our Mission
To provide fast, flexible, and ethically structured financial solutions that empower individuals, small businesses, and underserved communities across Nigeria. We are committed to promoting financial inclusion, economic resilience, and dignity through responsible microcredit, savings, and salary-backed Loan products.
Our Vision
To become Nigeria’s most trusted microcredit institution—bridging the gap between opportunity and access for millions of everyday Nigerians, and transforming lives through innovative, inclusive, and values-driven financial services.
how it works
our 5-steps process
step
Submit Application
Obtain our application form from our office or download it from our website. Ensure all required information is accurately filled in, and the document is properly signed. Once completed, submit the form to us for processing
step
Review & Verification
Our field officers will visit your business location, workplace (for salary earners), and residence to conduct a thorough assessment. This evaluation helps us determine your eligibility for the loan and ensures we tailor our support to your specific needs
step
Loan Approval
Once your assessment is complete and your loan is approved, we’ll finalize the terms and conditions, then disburse the funds directly into your account. It’s fast, secure, and designed to help you move forward without delay
step
Loan Disbursement
Once the loan is disbursed to your bank account, repayments will be processed via bank transfer for convenience and security
step
Support
Our field team will stay in regular contact with you throughout the duration of your loan—and beyond—to ensure Zhabest continues to provide the support and resources your business needs to thrive
What We Do
Our Core Services
Budgeting, cash flow planning, investment guidance, and financial literacy training to help clients manage resources effectively.
Recruitment support, staff performance systems, and organizational structure advisory for SMEs and cooperatives.
Personalized debt restructuring plans, credit behaviour coaching, and recovery strategies for individuals and groups.
Workshops, seminars, and one-on-one coaching on entrepreneurship, cooperative governance, and business strategy.
call us any time
+234-8188887054
FAQ
frequently Asked
Questions ?
Who is eligible to apply for a microloan?
Anyone with a valid means of identification, a steady source of income (formal or informal), and a clear loan purpose can apply. We support market traders, small business owners, artisans, farmers, and more.
Do I need collateral to get a loan?
No. Most of our microloans are collateral-free, but we may require a guarantor or basic financial history depending on the loan amount.
How long does it take to get the loan?
If all documents are in order, disbursement happens within 24–72 hours after approval
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Dedicated Staff
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Happy Customers
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Funds Disbursed
