The Federal Government has reopened the application portal for the Government Enterprise and Empowerment Programme (GEEP) 3.0 loan in 2026, renewing access to a scheme created to support small businesses and farmers across Nigeria. The programme is implemented under the National Social Investment Programme Agency (NSIPA) and offers zero-interest, collateral-free loans to Nigerians at the grassroots level.
The GEEP 3.0 portal is now open for applications. The programme is designed to reduce poverty, improve livelihoods, and strengthen local enterprises that contribute to growth. It has coverage across the six geopolitical zones, allowing eligible beneficiaries to apply.
The loan scheme operates through three windows: TraderMoni, MarketMoni, and FarmerMoni. TraderMoni is targeted at petty traders and artisans who need small starter loans to grow businesses. MarketMoni focuses on market women and small-scale business owners, while FarmerMoni is structured to assist smallholder farmers with funding for agricultural inputs such as seeds, fertilizers, and equipment. Each window is designed around the needs of its target group and follows flexible repayment terms.
Under GEEP FarmerMoni, eligible smallholder farmers can access interest-free loans of up to ₦300,000. Beneficiaries are given a three-month moratorium before repayment begins, allowing time to invest the funds into productive activities. All GEEP loans attract zero interest and do not require collateral.
For eligibility requirements, applicants must be Nigerian citizens within categories such as smallholder farmers, petty traders, artisans, or market women. Basic requirements include valid identification like BVN and NIN, an active mobile phone number, and proof of an existing business or farm. Priority is given to women, youth, and vulnerable individuals.
Applications are submitted online at no cost. Applicants must register, choose the TraderMoni GEEP programme, and complete the form.
To apply for N300k GEEP 3.0 loan, interested applicants should visit https://geep.nsipa.gov.ng/ and apply.
