Creative Sector Loan

Are you a creative business looking for a loan? Access our Low cost-single digit funding for your business and achieve your business goals

The creative sector loan is a Central Bank of Nigeria initiative aimed at capacity building and employment creation for individuals and businesses currently into any of the following.
Information Technology
Movie Production
Movie Distribution
Software Engineering Student Loan


  • Low cost-single digit funding for your business.
  • Flexible structure and repayment plans.
  • Opportunity to achieve your long term business goals.
  • Excellent financial advisory service.
Eligibility Requirements
To Login on QuickBucks, take the following steps:
  •  Download Quickbucks from your app store.
  •  Enter your email address and BVN linked phone number
  •  An OTP will be sent to you via SMS for verification
    •  1. If SMS is unsuccessful, you can request OTP to be delivered via a voice call Or
    • 2. Request a push message from the App- the app sends an encrypted message to a short code. The message is decrypted and validation is done. This functionality is only applicable to customers using their BVN linked phone number for the transaction.
How it works
To Sign Up on QuickBucks, take the following steps:
  •  Prepare your business plan or statement on how much you want for your business.
  •  Go to any Access bank branch with the above mentioned document or apply online through our Creative sector loan portal
  •  Our Relationship officers will contact you for further discussion and process your loan request.
  •  The maximum interest rate of 9% per annum (all charges inclusive) is applicable on all loans.
  •  The repayment period is a maximum of:
    •  a) 3 years for Software Engineering Student Loans
    •  b) 10 years for Movie Production & Distribution, Fashion, Information Technology and Music
Interested? Click here to fill in your details.


Frequently Asked Questions

The Creative Industry Financing Initiative (CIFI) is an on-lending scheme developed by the CBN in collaboration with the Bankers’ Committee to boost job creation in Nigeria by providing loans at cheaper rates to the Fashion, Information Technology, Movie and Music sector.

Businesses in the selected sector.

  1. Movie production
  2. Movie distribution - Cinemas
  3. Movie production - Equipment Financing

The tenor differs based on tiers but the maximum tenor is 10 years.

The interest rate is 9 % (all charges inclusive).

You can contact your Account Officer, Contact Centre or visit any Access Bank branch close to you.

No, it is for strictly 100% Nigerian owned businesses.

No, a non-customer can also benefit from this initiative if they are willing to open an account with the bank and meet the requirements.


Detailed business plan including financial plan, economic benefits and three years’ financial projections. This will also include proposed loan disbursement and repayment details.

Yes, 3 years audited accounts for existing companies and Statement of Affairs for start-ups and companies with less than 3 years of existence.

The borrower must have a clean/satisfactory credit history. At least 2 Credit Reports for the company and each director.

The security structure is designed to be flexible and include Legal Mortgage, All Assets Debenture and Personal Guarantee.

The borrower will be required to make at least 30% equity contribution and evidence must be provided at the point of forwarding the application to the CBN.

The Bank has made arrangements for consultants to assist our customers in preparing their business plans to meet the minimum standard at discounted rates.

Yes, the loan has to be approved by the Bank before forwarding to the CBN. The application to the CBN will be accompanied by the complete loan documents including an offer letter executed by the customer issued by the Bank.

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