Empowering Nigerian Businesses With Accessible Microfinance

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1BN+
Loans Disbursed
5K+
Happy Customers
24hrs
Approval Time
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Obinna T.

Obinna T.

T&G Global Ventures

Earnwell Helped Me manage my finances and target savings which i used to Expand My Motor spar parts shop. They have a very supportive team.

+145% Business Growth

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About Us - Earnwell Microfinance Bank

About Us

Building Financial Inclusion Across Nigeria

Empowering Nigerian Businesses Since 2014

11+
Years of Service
5K+
Happy Customers
₦1B+
Loans Disbursed

Who We Are

Empowering Micro-Entrepreneurs Across Nigeria

🏦

CBN-Licensed Excellence

Earnwell Microfinance Bank (EMB) is a CBN-licensed Unit Microfinance Bank, known for economically empowering micro-entrepreneurs and low-income earners by providing financial services in a sustainable, ethical and profitable manner.

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Comprehensive Financial Solutions

EMB brings to the market a full range of micro-financing products at a competitive rate, with good terms and conditions tailored to meet our clients' basic needs, aiming to develop our customers' financial capacities in terms of growth and expansion, as well as creating value for shareholders.

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Serving Our Communities

We hope to bring high-quality individual micro lending and group loan services to residential and business customers scattered all over Abuja Municipal Area Council and part of Nasarawa State.

Our Story

Founded in 2014, with its initial operative office at No. 12 IBB Way, Jobo Plaza, Lokoja, Kogi State. To meet its core objectives of providing micro lending and poverty eradication programs, the operative office was moved to Karu District, in Abuja, in 2021 to better serve our customers.

We recognised that traditional banks often overlooked small businesses, leaving a significant gap in the market. We continuously evolve our services and adopt new technologies for the best customer experience. EMB is institutionalized by the services of 7 (seven) experienced, competent and well-qualified directors.

With over over ₦1 billion in loans disbursed, we've helped more than 5,000 businesses grow and thrive. From market traders to tech startups, from fashion boutiques to food processing businesses, we've been privileged to support diverse entrepreneurs on their journey to success.

Our growth is a testament to the trust our customers have placed in us, and we remain committed to being more than just a financial institution – we're your partner in business growth.

🎯 Our Vision

Our vision at Earnwell Microfinance Bank is to become the leading, reliable and household microfinance bank in Nigeria

🚀 Our Mission

Our mission at Earnwell Microfinance Bank is to provide quality business partnership through professional, ethical and trusted financial services that will help individuals, small businesses, corporate organization, and non-profit organizations to reach their desired goals.

Our Core Values

The principles that guide everything we do

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Trust & Integrity

We operate with complete transparency and hold ourselves to the highest ethical standards in all our dealings

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Customer First

Our customers are at the heart of everything we do. We're committed to understanding and meeting their unique needs.

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Community Impact

We believe in empowering communities through financial inclusion and supporting local business growth.

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Innovation

We continuously evolve our services and adopt new technologies to better serve our customers.

Excellence

We strive for excellence in everything we do, from customer service to product delivery and operational efficiency.

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Accountability

We take full responsibility for our actions and decisions, ensuring we deliver on our promises to our customers and stakeholders.

Success Stories from Our Customers

Discover how individuals and businesses across Nigeria have transformed their lives with our financial solutions.

Mr. Goodday Destiney Cover
Earnwell is doing well! Banking with them for six months gave me overdraft access, which helped me restock goods and expand my wholesale business nationwide. They are a truly reliable partner.
Mr. Goodday Destiney
Mr. Goodday Destiney
Wholesale FMCO Distributor, FCT-Abuja
450%
Business Growth
N8.5M
Loan Amount
18 Mos
Repayment Period
Mr. Obinna ThankGod Cover
Earnwell Microfinance Bank helped me manage my finances and target savings to expand my motor spare parts shop. Their supportive team and seamless loan process made my expansion dreams possible.
Mr. Obinna ThankGod
Mr. Obinna ThankGod
Shop Owner, FCT-Abuja
400%
Goods Importation Financing
N5.2M
Loan Amount
6 Jobs
Created
Lydia Makah Cover
Partnering with Earnwell Microfinance Bank allowed me to secure loans for new cooling equipments. This improved my food storage and customer service significantly. I am very pleased with their services.
Lydia Makah
Lydia Makah
Provision Store Owner, Abuja
Everyday
Happy Customers
N1.8M
Loan Amount
24 Mos
Repayment Period
Onike Olabisi Cover
Earnwell helped me expand my boutique. The process was quick, and the team was supportive throughout. Their financial assistance allowed me to increase my inventory and attract many more loyal customers.
Onike Olabisi
Onike Olabisi
Fashion Designer, Kano
12 Staff
Employed
N3.5M
Loan Amount
2 Shops
Opened

Video Gallery

See Our Impact in Action

2026 New Year Message from The Managing Director

2026 New Year Message from The Managing Director

A heartfelt appreciation from Earnwell MD to the Board, Management, and dedicated Staff, our esteemed customers, host community, and the Chief for the trust, support, and partnership that made our journey meaningful and impactful.

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Earnwell MFB Product Categories

Earnwell MFB Product Categories

The MD shares various categories of Earnwell products and how they support SMEs in achieving their business goals

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How to access Earnwell MFB loans

How to access Earnwell MFB loans

Earnwell Microfinance Bank offers fast, secure, and business-friendly loans designed to help you scale with confidence.

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Mrs Lydia Makah Testimonial

Mrs Lydia Makah Testimonial

Mrs Lydia Makah from Karu, Abuja, shares her excitement about partnering with Earnwell Microfinance Bank Limited and how our support helped her business grow in 2025. Her story is proof that the right financial partner makes all the difference.

0:30
The New Tax Law - Nigeria

The New Tax Law - Nigeria

The new tax law, which takes effect in January 2026, will impact how individuals, SMEs, and corporate organizations manage their finances and compliance. Understanding these changes early is key to avoiding penalties and keeping your business on track.

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Earnwell MFB visits the Chief of Karu Kingdom

Earnwell MFB visits the Chief of Karu Kingdom

As a true grassroots bank, Earnwell MFB paid a courtesy visit to the Emir of Karu Kingdom to strengthen community ties and reaffirm our commitment to impactful CSR initiatives.

0:30

Our Team

Meet the Minds Behind Earnwell

Our success is built on the dedication, expertise, and passion of our exceptional team. From our leadership to our customer service representatives, every member of the Earnwell family is committed to delivering excellence and making a positive difference in your financial journey.

Engr. Chiaka Eguzoro

Engr. Chiaka Eguzoro

Managing Director

Mrs. Judith Kelvin

Mrs. Judith Kelvin

Head of Operations

Esther Ogechi Uchenna

Esther Ogechi Uchenna

Head of Marketing

Mr. Yusuf Muhammad Sambo

Mr. Yusuf Muhammad Sambo

Head of IT

Mrs Sorle Regina Bagbi

Head Internal Audit & Compliance

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