FG Government Enterprise and Empowerment Programme (GEEP) 2025/2026 (Up to ₦300,000 Interest-Free Business Loans)

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Applications are open for FG Government Enterprise and Empowerment Programme (GEEP) 2025/2026. The Government Enterprise & Empowerment Program (GEEP) is a Federal Government of Nigeria initiative that provides interest-free, collateral-free loans to micro, small, and medium enterprises (MSMEs), farmers, artisans, traders, and youth entrepreneurs across the country. (Administered by the Bank of Industry under the National Social Investment Programme).

GEEP is designed to boost financial inclusion and support business growth for Nigerians who struggle to access traditional credit. These Loans are structured to support real business needs, not just emergency cash, and are repaid over manageable terms with a moratorium period (delay before repayment starts) to allow businesses to generate income first.

Government Enterprise and Empowerment Programme (GEEP) Benefits

Interest-Free Loans
- Loans of up to ₦300,000 are available through GEEP’s sub-products with no interest, reducing borrowing costs for entrepreneurs.
No Collateral Required
- Applicants typically do not need traditional collateral to access these loans, making them more accessible to small enterprises.
Support Across Sectors
- GEEP supports a range of business types — petty traders, market women, artisans, youth entrepreneurs, and farmers — helping spread economic opportunity.
Repayment Flexibility
- Most loans include a moratorium period (e.g., 3 months) before repayment begins, giving businesses time to generate cash flow.

Type of Loans and Features

1. FarmerMoni

FarmerMoni provides interest-free loans of up to ₦300,000 to smallholder farmers, helping them access seeds, fertilizers, equipment, and other essential inputs. This programme is designed to strengthen smallholder farmers, increase productivity, and empower farmers to thrive.
Key Features:
- Zero-interest loans up to ₦300,000.
- 3 months moratorium before repayment
- Nationwide coverage across the six geopolitical zones.
- 0% Interest
- Zero collateral
- Focus on women, youth, and vulnerable groups.

2. MarketMoni

MarketMoni provides interest-free loans of up to ₦100,000 to market women. With access to credit, beneficiaries can grow their working capital, restock inventory, and improve their businesses.
Key Features:
- Zero-interest loans up to ₦100,000.
- Focus on women, micro-enterpreneurs, and cooperatives.
- Nationwide coverage across the six geopolitical zones.
- 0% Interest
- zero collateral
- 3 months moratorium before repayment

3. TraderMoni

TraderMoni is created for small-scale traders, artisans and petty entrepreneurs. It provides quick and accessible loans of up to ₦100,000, enabling traders to increase stock, improve cash flow, and strengthen their businesses.
Key Features:
- Zero-interest loans up to ₦100,000.
- Flexible repayment structure
- Nationwide coverage across the six geopolitical zones.
- 0% Interest
- Zero collateral
- 3 months moratorium before repayment

Eligibility Criteria for Government Enterprise and Empowerment Programme (GEEP)

To be considered for a GEEP loan, you typically must:

Be a Nigerian citizen aged 18 and above.
Have a valid Bank Verification Number (BVN) and active bank account.
Operate a micro or small business or be engaged in productive activities (trading, farming, artisan services, etc.).
Be part of a registered association or cooperative (for some products), especially for MarketMoni.

Some programs also conduct enumeration or verification exercises to confirm qualifications before loans are disbursed.