Your grade is your capacity

NCGC grades sub-institutions A to D. The band decides how much coverage you may hold, how large a sub-limit you may carry, and which borrower segments you may lend into.

You start Ungraded — that is normal, not a rejection
Verified documents are the largest single part of your score
An institution and NCGC must both approve before you originate

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Register as a sub-institution

The portfolio figures below feed your grade. Give your honest position — NCGC verifies them against the documents you upload, and a figure that does not match the accounts is worse for you than a modest one.

Organisation name

Type

State

Portfolio position

These are declarations. Documentation carries more weight than any of them, because it is the only part NCGC can verify independently.

Loan book size (₦)

Active borrowers

Default rate, trailing 12 months (%)

Years operating

We run a core banking or loan management system We report to at least two credit bureaux

Borrower segments you serve

Federal Civil Servant State Civil Servant Private Sector Employee MSME Informal Trader

Your grade band decides which of these you may actually lend into under guarantee.

Your account

Full name

Designation

Phone

Password

At least 10 characters, with letters and numbers.

Confirm password

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