Get Up To #5, 000, 000 Collateral Free Loans For Small And Medium Scale Enterprises.

YOU CAN NOW GET UP TO N5 MILLION FEDEARL GOVERNMENT’S 3 YEARS FREE LOANS TO SMALL BUSINESS OPERATOS.
THERE IS STEP-BY-STEP GUIDE TO ACCESSING THIS FREE LOAN WITHOUT COLLATERAL FROM THE NATIONAL ECONOMIC RECONSTRUCTION FUND (NERFUND).

AND I AM GOING TO TAKE YOU BY THE HAND TO SHOW YOU HOW TO OBTAIN YOUR OWN 3 YEARS FREE LOAN FROM THE FEDERAL GOVERNMENT WITHOUT COLLATERALS.

INTRODUCTION.
If there’s any peculiar hurdle most micro, small and medium enterprises (MSMEs) business owners struggle to cross; it is that of insufficient funds. For some business owners, it is fund to jump-start a business while for others; it is fund to take their business to the next level. The issue of money has led many to abandon their entrepreneurial aspirations. Those who have dared have experienced snail speed growth because of lack of or little knowledge of how to access funds that could aid their bail out. Most business owners are very much aware of some fund sources like personal savings, friends, money lenders, contributions, co-operatives etc. Also there are those who are aware of bank loans but wouldn’t dare because of absurd interest charge. Unfortunately, little is known of fund sources from the federal government.
However, in a bid to offer a lifeline, the federal government has set apart a funding platform where small business owners like you, can access collateral-free-loan. The government agency responsible for this is the national economic reconstruction fund (NERFUND).

THE ESTABLISHMENT OF NERFUND.
NERFUND as it is generally referred to was established by decree No. 2 of 1989 which was the NERFUND act, cap 254, 1990 laws of the federation. NERFUND is an intervention scheme established to ensure the speedy rise of micro enterprises in the country through the provision of medium and long term loans.
The real intention of government is to harness the large army of Nigerian businessmen and women who merchandise imported consumer goods and
re-orientate them to embark on local manufacture of these goods. The agency is presently headed by Alhaji Maina Gimba.

HOW GENUINE IS THE NERFUND FREE LOAN SCHEME?
NERFUND assisted projects for individuals and business groups evident in all 36 states of the federation.
Earlier in February of 2011, the Honorable Minister of Finance, DR. Olusegun Aganga gave approval to the second set of industrial projects for funding under the NERFUND scheme.
The Minister gave his nod to the setting up of a total of 415 micro enterprises worth a total investment cost of N998.2 million. The current number brings the total number of operations in 2009 to 623 projects valued at a total investment cost of N1.255 billion. The business groups / individuals who are beneficiaries are listed in the NERFUND websites.

WHAT IS NERFUND MANDATE?
NERFUND’s mandate is actually, to make long and short term micro-credit loans available to individuals (skilled men and women, retirees, young graduate etc). and business groups involved mainly in manufacturing, mining, quarrying, agro-allied, industrial support services, equipment leasing and others. Such small and medium enterprises (SMEs) must be wholly Nigerian owned. The grand objectives are to increase the quantum of goods and services available for local consumption and export, provide needed employment, expand local production base and value to the economy.

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ELIGIBILITY TO ACCESSING THE FUND.
Every Nigerian business qualifies for NERFUND funding if it is engaged in manufacturing, agro-allied projects, industrial support services and other services provided that:
v The enterprise or project is wholly by Nigerian.
v The enterprise or project must fall into micro, small or medium scale.
v In the case of a manufacturing enterprise or project, at least 60% of its raw materials and other production inputs must be locally sourced.
v Intended project or business is not into merchandising or primary agriculture.
v Your business or project must be value and must also have potential to give employment.
v Provided the fund will be for business expansion, diversification, purchase of fixed assets like machinery etc.

WHAT YOU MUST PUT IN PLACE TO ACCESS NERFUND FREE LOAN.
1. You must have a registered business name (an enterprise for a micro credit loan or a limited liability company for an SME loan facility).
2. A simple feasibility report showing viability of your business or project is required for a medium scale enterprise and a simple business plan for a small business operator.
3. You must present pro forma invoice stating the price and source of proposed plant and machinery for your intended machinery.
4. Be able to contribute up to 10% equity of loan requested, intended project shall not be into merchandising or primary agriculture.
5. Provide site plan for the location of the project.
6. Submit sources and quotation of raw materials expressed in units.
7. Applicants should be ready to comply with other conditions as may be prescribed by NERFUND.

APPLYING FOR LOAN.
Under the NERFUND scheme, any eligible Nigerian who falls under the micro, small and medium scale (MSMEs) can apply directly, either as individuals, business groups, co-operatives or through any of the partner institutions with which the fund has signed a memorandum of understanding (MOU).
Such institutions could be NDE, SMEDAN national board for technology incubation (NBTI), entrepreneurship development centers (EDCs) etc.
The reason for these listed preconditions is that they give credibility to your application. In the case of default of loan repayment, NERFUND holds the group accountable than an individual. Small registered business groups or associations of 10 members can jointly apply for a loan and when the loan is approved, the money is shared equally.

AMOUNT AND TENOR THAT NERFUND CAN GIVE OUT.
The agency has capacity to disburse loan to the tune of between N100, 000 and N5 million. The micro credit scheme shall have a maximum tenor of three years.

DISBURSEMENT OF LOAN.
Funds could only be disbursed after the project is approved and all conditions preceding draw down are fulfilled. This will be done at the discretion of the NERFUND.
The NERFUND will release approved loans directly to the suppliers of the equipment, while the working capital may be released to the vendors of the raw materials or directly to the beneficiaries.

REPAYMENT DURATION AND REQUIREMENT.
As earlier stated, the micro credit scheme shall have maximum tenor of three years.
Loan applications after appraisal are subjected to consideration by the Interim Management Committee (IMC) following when the are presented to the Honorable Minister of Finance for final approval.
Once you pick up the loan form, you have 30 days to get the necessary documents and submit to NERFUND office. NERFUND can be contacted for more details on how to pick up the loan application form.

NERFUND OFFICE: PLOT 1340, AMINU KANO CRESCENT, WUSE 11, P.M.B 319, GARKI, ABUJA. WEBSITE: WWW.NERFUND.GOV.NG.
EMAIL: [email protected]
TEL: 09-6705604, 6725040, 07026106306.