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We are a financial institution whose Primary aim is to offer a broad range of financial services to micro, small and medium-sized enterprises and to other clients in the corporate sector, incorporated as a limited liability company on April 1 2016 and formally commenced business on June 10, 2016. We are regulated by Central Bank of Nigeria and deposits are insured by Nigeria Deposit Insurance Corporation (NDIC).

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SME Loans

SME Loans provides you with a unique bundle of products and services suited to your business needs. This type of facility is availed to individual business owners, corporate organizations and entrepreneurs who are in need of bridge financing between 100,000 to 5,000,000 Naira.

Personal Loans

Do you need cash to urgently pay your house rent, Child’s school fees, or buy a household furniture? Sometimes we all need some financial assistance to help us go through hard times. We offer you a loan between 100,000 and 1,000,000 Naira to help you meet a variety of needs.

Group Loans

Baines Group Loan is a product designed for group of Traders/Market sellers, group of companies, association or people that have similar projects to execute.

Asset finance loans

We provide flexible asset financing services covering the range of purchase, leasing and hiring services. We offer products that optimize your cash flow and require no deposit or additional security

Savings and Investments

Are you ready to go beyond the everyday savings account? With Baines Credit Fixed Deposit, higher interest rates are available for higher balances.


Baines Credit MFB DEBIT Cards can be used to carry out your banking activities from the comfort of your home and offices. Baines Credit MFB DEBIT Cards can be used on any ATM in Nigeria.

Save, Earn, Enjoy.

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