Corporate Background

Essential Finance Limited (EFL) was duly incorporated in January, 2020, under the Corporate Affairs Commission (CAC) to operate as a finance company and the Bank and other financial Act (BOFIA) of 1998 as reviewed in 2008 in line with the Central Bank of Nigeria regulations to carry out the business of creating opportunities to its customers by financing personal, business and emergency loans platform as well as creating the platform for investment in wholesale funds via investment notes and borrowings from individual and institutions for good returns and fund safety.

Our Vision

To be the foremost non-bank financial institution that provides the best service experience by creating superior value for its customers across Nigeria and beyond.


Our Mission

To support the ambition of individual customers and small businesses.


Core Values

Professionalism, Innovation, Empathy, Reliability