Bancorp Finance Limited (BFL), a subsidiary of Capital Bancorp Plc, is a Central Bank of Nigeria-licensed finance company providing flexible lending, leasing, and tailored financial solutions to individuals, businesses, and institutions.
Quick access to key areas, with insight into what we do, how we deliver value, and how to connect with us to achieve your goals.
Bancorp Finance Ltd provides strategic financing solutions designed to help businesses grow, expand operations, and achieve long-term sustainability.
At Bancorp Finance Ltd, we provide flexible and strategic financing solutions designed to support individuals, SMEs, and corporate organizations across diverse sectors of the economy.
Bancorp Finance Limited's Vehicle Lease solution allows clients to acquire the vehicles they need while preserving financial flexibility.
Bancorp Finance Limited's Working Capital Facility provides short-term financing designed to support daily operations and maintain business continuity.
Whether for emergencies, education, medical expenses, asset acquisition, or lifestyle support, we provide structured financing for private sector employees.
Bancorp Finance Limited's Share-Backed Loan facility allows eligible clients to obtain financing by leveraging approved shares and investment holdings as
Bancorp Finance Limited's Sale and Lease-Back solution enables organizations to release the value locked within existing assets while retaining uninterrupted
Bancorp Finance Limited's Asset Lease solution allows individuals and organizations to access the assets they need while preserving working capital.
Bancorp Finance Limited's Corporate Lease facility helps organizations acquire essential assets while preserving cash flow and financial flexibility.
Delivering institutional brokerage solutions with precision execution, market access, and strategic trading expertise.
Bancorp Finance Limited's Invoice Discounting solution enables businesses to access funds tied up in outstanding invoices without waiting for customer
Our Insurance Premium Financing solution helps clients maintain critical insurance coverage while spreading premium payments over a convenient period.
Bancorp Finance Limited’s Payroll Lending facility is designed specifically for public sector workers seeking fast, structured, and reliable access to
Bancorp Finance Limited’s Individual Share-Backed Loan provides a flexible financing option that allows clients to borrow against eligible investment portfolios.
Bancorp Finance Limited offers Borrowing Against Fixed Deposit solutions that provide immediate access to funds while preserving your investment.
Have questions or need expert advise or support? We are here to help.
Bancorp House, 9 Wesley Street, Off Joseph Harden, Lagos Island, Lagos.
+234 (0) 811-891-7701, +234 (0)811-891-7702
+234 (0) 811-891-7701
[email protected]
Bancorp Finance Ltd is a forward-thinking financial institution committed to providing flexible, reliable, and innovative financing solutions that empower businesses and drive sustainable growth.
©2026 Bancorp Finance Limited.
Loan & Lease Calculator
The Equipment Finance Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. The Product selected determines the default interest rate for personal loan product. The Equipment Finance Calculator also calculates the time saved to pay off the loan and the amount of interest saved based on an additional input from the customer. This is if repayments are increased by the entered amount of extra contribution per repayment period. This feature is only enabled for the products that support an extra repayment. The calculations are done at the repayment frequency entered, in respect of the original loan parameters entered, namely amount, annual interest rate and term in years.
All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days interest dependent on the number of days in the particular month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.
In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts. Note that the final repayment after the increase in repayment amount.
The time saved is presented as a number of years and months, fortnights or weeks, based on the repayment frequency selected. It assumes the potential partial last repayment when calculating the savings.
This amount can only be approximated from the amount of time saved and based on the original loan details.
The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
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Use our loan and lease calculators to estimate repayment amounts, financing terms, and expected monthly obligations for your preferred financing solution.
Download and complete the application form, then submit the required documents for review and financing consideration by our team.
Our finance team will assess your application and provide feedback, approval status, or additional requirements needed for processing.
Upon approval, financing terms will be finalized and funds or lease arrangements will be processed for successful onboarding.
1–12 Months Short-Term Loan Facilities
12–48 Months Flexible Lease Tenor Options
₦10B+ Financing Portfolio Disbursed
CBN-Licensed Finance Company
12-48 Hours Approval Turnaround Time
Fast, reliable client support
Bancorp Finance Limited’s Vehicle Lease solution allows clients to acquire the vehicles they need while preserving financial flexibility.
Bancorp Finance Limited’s Working Capital Facility provides short-term financing designed to support daily operations and maintain business continuity.
Bancorp Finance Limited’s Share-Backed Loan facility allows eligible clients to obtain financing by leveraging approved shares and investment holdings as
Bancorp Finance Limited’s Sale and Lease-Back solution enables organizations to release the value locked within existing assets while retaining uninterrupted
Bancorp Finance Limited’s Asset Lease solution allows individuals and organizations to access the assets they need while preserving working capital.
Bancorp Finance Limited’s Corporate Lease facility helps organizations acquire essential assets while preserving cash flow and financial flexibility.
Bancorp Finance Limited’s Invoice Discounting solution enables businesses to access funds tied up in outstanding invoices without waiting for customer
