The score that gets
Nigerian businesses funded.
Know exactly where you stand. Fix what's holding you back. Get matched to the right lender — in one platform built for Nigerian SMEs.
Business Health Score
Business Health Checker
From signup to funded in 3 steps
No complexity. No jargon. A clear path from where your business is today to where it needs to be.
Create your account
Sign up in under 2 minutes. One account unlocks every service — no separate logins ever.
Get your Business Health Score
Complete the BHC in less than 5 minutes. See your score across 6 dimensions and understand exactly what lenders see.
Get funded and grow
Match with lenders based on your score, manage your finances with SME Paddy, and book expert advisors — all from one dashboard.
One platform. Three engines.
Each tool solves a real problem Nigerian SMEs face. Together, they give you complete visibility and control.
Business Health Checker
A 0–100 score across 6 business dimensions. Know your loan readiness before you walk into any bank. Download a report lenders actually recognise.
Bookkeeping & Cash Flow
Invoicing, expenses, stock, and tax-ready reports. Stop guessing where your money is.
Open SME Paddy →Women in Business Competition
Mentorship, women-focused funding, and peer learning circles for Nigerian women entrepreneurs.
Open WIBC →What lenders actually check
Banks score you across 6 dimensions before approving any loan. Most businesses don't know this. BHC shows you exactly where you are — so you can fix it before you apply.
Financial Management
Cash flow, records, bank accounts
Business Operations
Processes, targets, supply chain
Market Position
Competitive edge, customer base
Legal & Compliance
Registration, licences, tax filings
Human Resources
Team structure, policies, training
Technology & Innovation
Digital tools, online presence
Your overall score determines which lenders you unlock:
Funding Ready
Full commercial bank access
You qualify for term loans, asset finance, and DFI products. Lenders compete for your business.
Loan range
₦5M – ₦500M+
Coachable
Commercial banks + fintech lenders
You're close. A targeted 60–90 day improvement plan typically pushes businesses into Funding Ready.
Loan range
₦500K – ₦50M
Vulnerable
Microfinance banks & digital lenders
Limited options, higher interest rates. Use BHC's action plan to address the weakest dimensions first.
Loan range
₦50K – ₦2M
Critical Risk
Not yet lender-ready
Applying now risks rejection marks on your credit record. Fix the fundamentals — BHC tells you exactly where.
5 questions. 60 seconds.
Your rough BHC tier.
No sign-up required — just an honest gut check on where your business stands with lenders right now.
Takes about 60 seconds
Most Nigerian SMEs get rejected. Here's why — and how to fix it.
Banks don't reject businesses randomly. They score you. The problem is that almost no SME knows what they're being scored on.
Without The SME Mall
Calling the bank with no idea what they need from you
Excel spreadsheet with 6 months of uncategorised expenses
Loan rejection: "Insufficient documentation / business records"
No clear path to improving — every advisor says something different
Applying to every lender and collecting rejection marks on your credit file
With The SME Mall
BHC score of 78/100 — you know exactly which 2 sections to fix
3 matched lenders, ranked by your score and loan requirements
Loan application submitted with a BHC report lenders trust
Improvement roadmap: 90-day action plan, section by section
Consultant booked — score improved 18 pts in 6 weeks
Trusted across Nigeria
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SMEs on the platform
₦0B+
Naira in loans matched
0
Partner lenders onboarded
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Certified consultants
Businesses that grew with us
Real scores. Real loans. Real growth — from business owners who started exactly where you are.
“The BHC tool showed me exactly what banks look at. Within 3 months I had my first business loan — ₦5 million from Access Bank.”
Adaeze Okafor
Owner, Kemi's Kitchen · Lagos
“SME Paddy replaced my spreadsheets entirely. I finally know exactly where every naira goes. My accountant is genuinely impressed.”
Emeka Nwosu
Founder, TechFix NG · Abuja
“WIBC connected me with a mentor who helped me scale from one shop to three locations in just one year. Life-changing platform.”
Fatima Abdullahi
CEO, FashionHub · Kano
Ready to grow your
Nigerian business?
Join thousands of business owners already using The SME Mall to get funded, stay organised, and scale.
Get started today — no commitment required