Access to capital remains one of the biggest challenges facing small business owners in Nigeria. Many entrepreneurs struggle to expand their businesses due to high-interest bank loans, strict requirements, and limited funding options.

The FG GEEP Loan 2026 offers a practical solution. Through the Government Enterprise and Empowerment Programme (GEEP), the Federal Government provides non-interest loans of up to ₦300,000 to eligible Nigerians operating small and micro-enterprises.

If you are a trader, artisan, farmer, or small business owner seeking affordable funding, this comprehensive guide explains everything you need to know — including eligibility requirements, required documents, and a detailed step-by-step application process.

What Is FG GEEP Loan 2026?

The Government Enterprise and Empowerment Programme (GEEP) is a Federal Government initiative designed to support small businesses and informal sector operators with non-interest loans.

Unlike commercial bank loans that charge high interest rates, the GEEP loan is structured to provide financial assistance without interest, making it more accessible and sustainable for grassroots entrepreneurs.

The core objectives of the programme include:

• Promoting financial inclusion
• Supporting micro and small enterprises
• Reducing unemployment
• Empowering women and youth
• Strengthening local economies

Who Is Eligible for FG GEEP Loan 2026?

To qualify for the GEEP Loan Programme 2026, applicants must meet specific criteria.

You may be eligible if you:

• Are a Nigerian citizen
• Are 18 years or older
• Operate a small or micro business
• Have valid identification
• Have a functional bank account
• Can provide basic business information

The programme primarily targets:

• Market traders
• Farmers
• Artisans
• Tailors
• Hairdressers
• Small shop owners
• Food vendors
• Self-employed professionals

Step-by-Step Guide: How to Apply for FG GEEP Loan 2026

Below is a detailed application guide to help you complete the process successfully.

Step 1: Visit the Official GEEP Portal

To begin your application, access the official Government Enterprise and Empowerment Programme portal.

Ensure you are using the correct official platform to avoid scams or third-party agents.

Never pay anyone to process your application.

Step 2: Create an Account

Once on the portal:

1. Click on the registration option
2. Enter your full name
3. Provide your active email address
4. Enter your mobile phone number
5. Create a secure password

After registration, you may receive a verification message via email or SMS.

Complete verification before proceeding.

Step 3: Complete Your Personal Information

After logging in, fill out your personal details accurately:

• Full legal name
• Date of birth
• Residential address
• State and local government area
• Phone number

Ensure your name matches your identification documents and bank account details.

Step 4: Provide Business Information

This section is critical for loan approval.

You will be required to provide:

• Business name (if applicable)
• Business type or category
• Description of your business activities
• Location of business
• Years of operation

Be clear and honest. Avoid exaggeration or false information.

Step 5: Select Loan Amount

Choose the loan amount you wish to apply for (up to ₦300,000).

Select an amount that aligns with your business size and capacity.

Applying for a realistic amount may improve approval chances.

Step 6: Upload Required Documents

Upload clear copies of:

• Valid identification
• Any requested business proof

Ensure all documents are legible and properly formatted.

Blurry or incomplete uploads may delay processing.

Step 7: Review Application

Before submitting:

• Double-check personal details
• Confirm bank account information
• Ensure uploaded documents are correct
• Verify phone number and email

Small errors can cause delays.

Step 8: Submit Your Application

After reviewing, click submit.

You may receive a confirmation notification indicating that your application has been received.