Project & Structured Finance

Access Bank provides financial advisory and debt arranging services for both Greenfield and Brownfield projects across all major sectors in the country.

Project Finance

Access Bank provides financial advisory and debt arranging services for both Greenfield and Brownfield projects across all key sectors. We ensure seamless execution of all our transactions which are structured on a limited or non-recourse basis. 

Fixed Deposits

The product is designed to provide low risk investment option at market driven yields for bank's customers with excess funds.


  • Limited or non-Recourse Financing
  • Sponsors/ parent companies are not liable for Project debt
  • Repayment based on Project Company cash flows only
  • Project risks allocation to parties best able to manage the risk
  • This may be done via club lending, bilateral loan and syndication
  • Off balance sheet treatment as it relates to the project sponsor


  • Debt raised on the merits of the Project rather than the credit of the Sponsors
  • Might be treated by equity analysts and rating agencies as non-Sponsor debt
  • Enforces project discipline
  • Provide flexibility for clients to do more business

Structured Finance

Structured finance typically involves packaging complex transactions for companies with unique needs. (Credit Enhancements, Quasi corporate finance for expansions and acquisitions). This may involve object/asset finance, acquisition finance among other services. 


  • Typically packaged in form of credit enhancements, Quasi corporate finance among others
  • Lending premised on a history of strong cash flows (could be secured or largely unsecured)
  • Funds are advanced based on the history that indicates a consistent flow of cash into the borrower’s business that will allow for the timely and orderly repayment of the loan amount


  • Greater economic leverage for the client
  • Off balance sheet treatment
  • Ability to sell to a diversified investor base

ECA and Multilateral Finance

Through strategic alliances with several Development Finance Institutions (DFIs) and Export Credit Agencies (ECAs), the group provides alternative funding for local borrowers through various structures including export credit and on-lending facilities as well as investment and credit guarantees. 


  • The Bank acts as primary obligor or Guarantor of the loan
  • Cost effective facility at a reduced pricing relative to balance sheet funding
  • Used to support real sector of the economy and export related transaction specifically for export credit agency financing


  • Cheaper source of funding
  • Increased Liquidity
  • Reporting Discipline
  • Improved Financial Cooperation with International Financial Institutions
  • Matching of Revenue streams and facility repayment

Latest News

Notice of the 35th Annual General Meeting (AGM) of Access Bank PLC S&P Global Ratings Provides Aligned Opinion on Access Bank PLC's Sustainable Finance Framework Access Bank Plc (Access) enters into acquisition agreements with Standard Chartered Bank Access Bank launches the first American Express® Cards to be issued in Nigeria NOTICE OF ANNUAL GENERAL MEETING