Turbo Finance is a registered trademark of Turbo Microfinance Bank, a CBN‑licensed institution insured by the NDIC.
Empower Your Business Scale Your Ambition.
Secure business banking, instant POS settlements, and growth loans designed for the modern entrepreneur.
We Don't Just Help You Manage Your Money. We Walk with You Every Step of the Way to Power Your Business.
Traditional banking can be slow and expensive. Turbo Finance is built for the entrepreneur who needs lightning-fast transactions, transparent credit, and a partner that understands the ‘hassle’ of scaling a business.
4 Pillars To Support Your Business
Zero-Hassle Liquidity (Credit That Makes Sense)
Stop waiting weeks for a “Maybe.” Whether you need a quick Nano Loan for inventory or a structured SME Loan to expand, we provide capital based on your cash flow. No lengthy processes. Minimal paperwork.
Cashback Advantage
Not only do you now enjoy streamlined utility settlements in one place, but you now earn a 1% cashback reward on every token purchase; the only business account designed to reduce your operational costs and put money back into your overhead budget.
High-Interests Reserve Growth
With Turbo Lock, you can lock in excess liquidity for 10 days to 2 years and earn a high yield from the competitive rates we offer.
Revenue Growth in Earn 1.5% as You Spend
By creating a Pay4Power Merchant Account connected to your Turbo Finance business account, bulk buyers such as Property Managers and factories, will earn a 1.5% commission on every purchase of bulk bundles.
Business Banking Products
Loans
Scale without the drama. From a zero-collateral ₦20,000 Nano Loan for instant stock top-ups, to structured SME Loans and up to ₦20,000,000 Asset Financing, built around your actual business model.
Savings | Investments
Don’t just save, put your business money to work with total transparency and access on Turbo Flex or lock it away for upcoming company milestones using Turbo Lock, or book a premium Fixed Deposit to secure guaranteed, market-driven returns.
Payments
Safely accept instant customer transfers through dedicated Virtual Accounts, collect physical storefront payments with heavy-duty POS Terminals, and settle international supplier invoices seamlessly using high-limit USD or local Virtual Cards.
Passive Income
Don’t just pay bills, earn a commision from your own expenses or others every time you buy data bundles or electricity tokens.
Cashbacks
Traditional banks charge you to pay bills, Turbo pays you back. Save on every electricity token with automatic cashback on every transaction.
Business Tools
Asset Financing
Don’t strain your cash flow by buying delivery bikes, machinery, or appliances. Acquire the equipment you need to scale immediately and pay back in stress-free installments.
POS Terminals
Get paid like a pro using heavy-duty Turbo POS Terminals. Engineered to handle high-volume storefront sales with instant settlement, long battery life, and zero network failures.
Virtual Accounts
Stop giving customers your personal bank account number. Generate instant, dedicated Virtual Accounts for your business so customers can pay via any banking app, ensuring clean bookkeeping and instant payment confirmations.
Passive Revenue
Stop just paying operational expenses, earn a commission every time you sell/buy data bundles, airtime, or electricity tokens for yourself or others using Pay4Power.
Instant Cashbacks
Traditional banks have hidden fees to pay bills; but we pay you back with automatic cashback on every single electricity token purchase your business makes.
What The Turbo Tribe Says
Why They Switched to Turbo?
Join thousands of businesses who have ditched the “long stories” for a faster, smarter way to bank.
Our school utility bill is now another source of funds.
Managing a large boarding school means the electricity never goes off, and the bills are massive. By switching to a Pay4Power Merchant Account, that 1.5% commission on our bulk tokens actually adds up to enough to help out with expenses every term. We stopped just paying bills and started making that overhead work for our students.
The Instant Nano Loan is a lifesaver.
Sometimes a great deal on inventory comes up, but I'm just a few thousand Naira short. The Instant Nano Loan really comes through. No paperwork, no waiting. I grab the loan, buy the stock, sell it, and pay back. It’s helped me keep my shelves full and my customers coming back instead of going to the next shop.
I used to spend my Sunday nights trying to reconcile sales across two shops.
With Turbo’s Automated Reconciliation, the bookkeeping is on autopilot. I can see exactly what came in and what went out without touching a spreadsheet. It has given me back my weekends and total peace of mind.
It’s the most hard-working account I’ve ever owned.
As a consultant, I get paid in large chunks, but I spend gradually. I used to hate seeing my money sit 'lazy' in my current account. Now, I move my project fees into Turbo Flex. I earn daily interest that I can see every morning, and if I need to pay a contractor at midnight, the money is right there.
My office 'side-gig' pays the rent.
I run a small printing business inside a complex. By becoming a Pay4Power Merchant, I started vending tokens to other shop owners in the building. That 1.5% commission seemed small at first, but it adds up so fast that it now covers my monthly expenses here and there.
In this economy, leaving business reserves in a regular current account is a loss.
I put our project retention funds into Turbo Lock. The high-yield rates keep our capital's value ahead of inflation while we wait for the next site to open. It’s the safest 'silent' money-maker I have.
Scaled my business without collateral.
I used to think getting a loan meant a lot of paperwork and a ‘Maybe’ that takes weeks. Turbo gave me an SME loan based on my turnover, not my collateral. My third branch is opening next month!
The Turbo Score
in business transactions processed this year.
Faster loan approval times compared to traditional banks.
Extra Margin for merchants on every utility sale.
Cashback on Utility Bill Payments
Transaction failure rate (Industry-leading uptime).
Support with a 98% resolution rate.
hidden maintenance fees.
Business Intelligence & Tips
Join 5,000+ Nigerian Entrepreneurs in the Turbo Business Circle to get market-specific ‘hacks’, inflation-proof strategies, industry-specific regulatory alerts in weekly 2-minute briefs.