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Carbon

Digital business banking and loans for Nigerian founders

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Carbon (formerly OneFi) is a Nigerian digital bank offering business banking accounts, loans, and BNPL. Their business account includes instant account opening, transfers, bill payments, and debit card issuance. Also offers working capital loans for businesses with transaction history.

🇳🇬Nigeria

·Business Banking·Paid·< 1 hour

Best for

Early-stageSaaSSolo founder

Use when

You want a quick-to-open Nigerian business account with built-in access to working capital loans.

Skip when

You need a multi-signatory account or complex approval workflows — Brass is better suited for that.

Carbon Business accounts open faster than traditional banks. The loan product is useful for cash flow gaps if you have 3+ months of transaction history.

Alternatives

Brass, Kuda Business, GTB SME

Verified Apr 1, 2026