This is a lending strategy through which the Bank partners with States, Local Governments,  Agricultural Financing Agencies, NGOs, Community Based Organisation etc. to reach larger segment of Nigerians especially the under-privileged and rural poor with micro-credit for enterprise development.

• Provision of security which could be collateral security or irrevocable standing payment order (ISPO).
• Provision of viable profitable and bankable business plan.
• Interest rate negotiable.
• On-lending organization responsible for recovery of the loan inclusive of the accrued interest.
• Reduces cost of loan administration.
• Interest Rate is 12%.