FG Grant and Loan Portal 2025: Apply for Nigerian Government Loans & Grants

The Nigerian Federal Government, through the Ministry of Industry, Trade, and Investment, has launched several initiatives to support businesses and mitigate the economic effects. These programs, often called Palliative Loans or Grants, are designed for SMEs, manufacturers, traders, and artisans.

This comprehensive guide provides everything you need to know about the current FG Grant and Loan portals, including a step-by-step registration process, eligibility, and how to download the necessary forms.

Important Disclaimer First

• Beware of Scams: The official portal is the ONLY place to apply. Government agencies will never ask you to pay a fee to apply for a grant or loan. Anyone calling you for “processing fees” or “agent fees” is a scammer.
• Programs Change: Government schemes are often updated, renamed, or relaunched. This guide is based on the most recent and common programs, but always double-check the official Ministry websites for the latest information.

Current & Notable FG Loan/Grant Schemes

1. The Presidential Palliative Loan Programme (PPIP): For MSMEs and manufacturers.
2. The Presidential Conditional Grant Scheme (PCGS): For nano businesses (e.g., traders, artisans).
3. The Bank of Industry (BOI) Loan Programs: A long-standing source of government-funded business loans.

This article will focus on the processes for the Palliative and Conditional Grant schemes.

Who is Eligible?

Eligibility can vary by program, but generally, you must:

• Be a Nigerian citizen.
• Be between 18 and 60 years old.
• Own a viable business (registered or unregistered) as an SME, nano business, artisan, or trader.
• Have a Bank Verification Number (BVN) and a National Identification Number (NIN).
• Have a bank account linked to your BVN.
• Provide proof of your business (e.g., CAC certificate for registered companies, business photos or affidavits for unregistered ones).

Step-by-Step: How to Apply on the FG Loan Portal

Official Portal: The application is typically done through a dedicated portal managed by the Federal Government. For recent schemes, the portal has been:

[https://fedgrantandloan.gov.ng]

Always confirm the correct URL from official government press releases or the Ministry’s social media pages to avoid fake sites.

Follow these general steps:

Step 1: Pre-Registration Requirements

Gather these documents and information before you start:

• Valid ID (NIN Slip is mandatory)
• BVN
• Proof of Business (CAC Certificate, business name registration, or clear photos of your shop/workspace)
• Recent passport photograph
• Valid email address and phone number.

Step 2: Account Creation & Registration

1. Visit the official portal: https://fedgrantandloan.gov.ng
2. Click on “Apply Now” or “Get Started”.
3. Select the scheme you are eligible for (e.g., Palliative Loan for MSMEs or Conditional Grant for Nano businesses).
4. Enter your BVN for verification. This is crucial for identity checks.
5. Fill in the online application form with accurate personal and business details. This includes:
   • Full Name (as it appears on your BVN)
   • Phone Number and Email
   • Residential Address
   • Business Name, Address, and Type
   • Business Bank Account Details
6. Create a secure password for your account on the portal.

Step 3: Upload Required Documents

You will be prompted to upload scanned copies or clear pictures of your documents:

• Passport Photo
• Government-Issued ID (NIN, Voter’s Card, International Passport)
• Proof of Business Registration (CAC Certificate) OR Business Photo/Affidavit for unregistered businesses.

Step 4: Review and Submit

• Carefully review all the information you have provided for any errors.
• Check the box to agree to the terms and conditions.
• Click on “Submit”.

Step 5: Application Tracking

• After submission, you will typically receive an application ID or reference number.
• Write this number down. You will use it to track your application status on the portal.
• Log in to your portal dashboard regularly to check for updates or any requests for additional information.

Understanding the FG Grant/Loan Application Form (PDF)

While the primary application is online, you might need to download related forms.

• What it is: The “Form” is often the application data you fill online. However, some supporting documents might require you to fill, print, and sign a PDF (e.g., an undertaking or guarantor form).
• How to get it: Any legitimate PDF form will be available for download directly from the official application portal during the process. Do not download forms from random websites or WhatsApp groups, as they may be outdated or fraudulent.
• Filling the Form: If you need to fill a PDF, use a PDF editor on your phone or computer. Ensure all information matches what you submitted online. Print, sign, scan, and upload it back to the portal if required.

What Happens After the Application?

1. Verification: Your details (especially BVN and NIN) will be verified by the coordinating agency.
2. Shortlisting: Successful applicants will be shortlisted. This list is sometimes published on the official website for transparency.
3. Disbursement: If approved, funds will be disbursed directly to the bank account you provided. You will receive a credit alert.
4. Repayment (For Loans): Loans typically have a moratorium period (a time before repayment starts) and a single-digit interest rate. Ensure you understand the terms.

Frequently Asked Questions (FAQ)

Q: Is the FG grant free? Do I have to pay it back?
A: A GRANT is free money you do not repay. A LOAN must be repaid. The Conditional Grant Scheme is a grant. The Palliative Loan Programme is a loan. Know which one you are applying for.

Q: I’m a vulcanizer/ tailor/ market woman. Can I apply?
A: Yes! The Conditional Grant is designed explicitly for nano businesses, such as artisans, market traders, and skilled workers.

Q: How can I check my application status?
A:

1. Return to the official portal: https://fedgrantandloan.gov.ng
2. Click on “Login” or “Track Application.”
3. Enter your application ID reference number or your BVN to check your status.

Q: I applied but haven’t heard back. What should I do?
A: Be patient. The number of applications is always massive. Continue to check the portal and your email (including spam folder) for updates. Avoid paying anyone who claims they can “fast-track” your application.

Final Tips for a Successful Application

• Apply Early: Portals often have application windows. Don’t wait until the last day.
• Be Accurate: Provide correct and verifiable information. Inaccurate details are the main reason for disqualification.
• Use Active Phone & Email: All communications will be sent there.
• Follow Official Sources: For the latest news, follow the social media pages of @TradeInvestNG (Federal Ministry of Industry, Trade and Investment) and @BoINigeria (Bank of Industry).

Disclaimer: This guide is for informational purposes based on publicly available information. The official terms, portals, and processes are subject to change by the Federal Government of Nigeria. Always confirm details on the official https://fedgrantandloan.gov.ng website or through verified government press releases before applying.