Financial templates for Nigeria
Browse all 67 free financial legal templates for Nigeria. Download as PDF or Word.
Loans & Promissory Notes
Agricultural Loan Agreement (Nigeria)
A loan agreement for agricultural financing in Nigeria, compliant with the Banks and Other Financial Institutions Act (BOFIA) 2020, CBN Anchor Borrowers Programme guidelines, and the Agricultural Credit Guarantee Scheme Fund Act Cap A3 LFN 2004. Covers loan amount in NGN, interest rate, repayment schedule tied to harvest cycles, security, and NIRSAL guarantee provisions.
Corporate Guarantee — Nigeria
A corporate guarantee for Nigeria under which a guarantor company unconditionally guarantees the payment or performance obligations of a principal debtor to a beneficiary (lender or creditor). Governed by Nigerian contract law and the Companies and Allied Matters Act 2020 (CAMA 2020).
Counter-Indemnity — Nigeria
A counter-indemnity agreement for Nigeria under which a company (the principal/account party) indemnifies a bank or financial institution against all losses, costs, and liabilities arising from issuing a performance bond, advance payment guarantee, or bank guarantee on the principal's behalf. Governed by Nigerian banking law and contract law.
Debenture Deed (Nigeria)
A Nigeria debenture deed creating a charge over a company's assets as security for a loan or other financial obligation. Compliant with the Companies and Allied Matters Act (CAMA) 2020, the Registration of Titles Act, and the Corporate Affairs Commission (CAC) registration requirements for charges under CAMA 2020 Sections 212-221.
Debenture — Fixed and Floating Charge (Nigeria)
A combined fixed and floating charge debenture for Nigerian companies, creating a fixed charge over specified assets and a floating charge over all other assets. Compliant with CAMA 2020 Sections 212-221, Land Use Act 1978 (governor's consent), and CAC registration requirements within 90 days of creation.
Debt Acknowledgement (Nigeria)
A formal acknowledgement of debt for Nigeria, confirming the existence and amount of an outstanding debt obligation. Compliant with the Limitation Law applicable in the relevant state (Limitation Law of Lagos State 2015, Limitation Act Cap. L16 LFN) and Nigerian contract law governing acknowledgement to reset the limitation period.
Debt Restructuring Agreement (Nigeria)
A formal debt restructuring agreement for Nigeria, renegotiating the terms of an existing debt obligation including interest rate, repayment schedule, and security. Compliant with the Companies and Allied Matters Act (CAMA) 2020, CBN Prudential Guidelines on Non-Performing Loans, and the Banks and Other Financial Institutions Act (BOFIA) 2020.
Debt Settlement Agreement (Nigeria)
A formal debt settlement agreement for Nigeria by which a creditor agrees to accept a reduced or restructured payment in full and final settlement of an outstanding debt. Compliant with Nigerian contract law, the Limitation Law of Lagos State 2015, and applicable CBN guidelines on non-performing loan recovery.
Demand Promissory Note (Nigeria)
A Demand Promissory Note for Nigeria by which the maker unconditionally promises to pay a specified sum to the payee on demand. Governed by the Bills of Exchange Act (Cap B8, LFN 2004). Suitable for personal loans, business advances, and inter-company lending. Includes interest and acceleration provisions.
Digital Lending Agreement (Nigeria)
A Digital Lending Agreement for Nigeria between a licensed digital lender or fintech company and a borrower for an online or mobile-based loan facility. Governed by the Central Bank of Nigeria (CBN) Framework for Digital Lending 2022, FCCPC Guidelines, Consumer Credit Act, and NDPR 2019. Includes data consent, electronic signature, and repayment provisions.
Esusu Rotating Savings Agreement (Nigeria)
A formal Esusu (rotating savings and credit association) agreement for Nigeria, documenting member contributions, payout rotation, default consequences, and dissolution terms. Governed by Nigerian contract law and the Cooperative Societies Act. Suitable for workplace, community, and professional Esusu groups.
Factoring Agreement (Nigeria)
A Nigeria factoring agreement under which a business assigns its trade receivables to a factor (finance company) in exchange for immediate cash. Governed by CBN guidelines, CAMA 2020 (Part X charge registration), and the Secured Transactions in Movable Assets Act 2017. Covers recourse and non-recourse structures.
Fixed and Floating Charge (Nigeria)
A Nigerian Fixed and Floating Charge (Debenture) creating security over both fixed assets (land, plant, equipment) and all present and future assets of a company in favour of a lender, registered with the Corporate Affairs Commission (CAC) under the Companies and Allied Matters Act 2020 (CAMA 2020), Sections 202-212.
Hire Purchase Agreement (Nigeria)
A Hire Purchase Agreement for Nigeria under which a financier lets goods to a hirer who pays instalments and acquires ownership upon final payment. Governed by the Hire Purchase Act (Cap H4, LFN 2004), with provisions for motor vehicles, equipment, and consumer goods financing.
Commercial Hire Purchase Agreement (Nigeria)
A Commercial Hire Purchase Agreement for Nigeria between a bank or finance company and a corporate hirer for the financing of commercial vehicles, industrial equipment, or agricultural machinery. Covers instalment schedule in NGN, title retention, insurance, repossession, and CBN regulatory compliance.
Intercreditor Agreement (Nigeria)
An intercreditor agreement for Nigeria governing the rights, priorities, and enforcement arrangements among multiple creditors of a single borrower. Covers senior/subordinated debt ranking, security sharing, standstill provisions, and compliance with CBN Prudential Guidelines and CAMA 2020.
Business Loan Agreement (Nigeria)
A Business Loan Agreement for Nigerian companies and sole traders, documenting commercial lending between a lender and a business borrower. Complies with the Banks and Other Financial Institutions Act 2020 (BOFIA 2020), the Money Lenders Law of applicable states, and CAMA 2020.
Personal Loan Agreement (Nigeria)
A Personal Loan Agreement for individual borrowers in Nigeria, documenting a loan between a lender and an individual for personal use. Complies with Nigerian contract law, the Money Lenders Laws of applicable states, and the Personal Income Tax Act for interest reporting.
Secured Loan Agreement (Nigeria)
A Secured Loan Agreement for Nigeria where the borrower provides collateral — real property mortgage, debenture, or pledge — to secure repayment. Complies with the Land Use Act 1978, CAMA 2020 (charge registration), BOFIA 2020, and the Conveyancing Act 1881.
Loan Novation Agreement (Nigeria)
A Loan Novation Agreement for Nigeria that extinguishes an existing loan contract and substitutes a new borrower or new lender in place of the original party, with the consent of all three parties. Complies with CAMA 2020, the Conveyancing Act 1881, and Nigerian contract law.
Loan Repayment Plan (Nigeria)
A Loan Repayment Plan for Nigeria that sets out a structured schedule of periodic repayments of principal and interest, showing each instalment amount, due date, and outstanding balance. Suitable for personal, business, and mortgage loans denominated in NGN.
Microfinance Loan Agreement (Nigeria)
A Microfinance Loan Agreement for Nigeria governing small and micro loans advanced by a licensed Microfinance Bank (MFB) or Microfinance Institution (MFI) to individual or group borrowers. Compliant with the Central Bank of Nigeria (CBN) Revised Regulatory and Supervisory Guidelines for Microfinance Banks in Nigeria 2012 and the Banks and Other Financial Institutions Act 2020 (BOFIA 2020).
NIRSAL Credit Guarantee Application (Nigeria)
A Nigeria Incentive-Based Risk Sharing System for Agricultural Lending (NIRSAL) credit guarantee application for agricultural and agribusiness borrowers seeking risk-sharing guarantees from NIRSAL Plc to enable access to bank financing. Covers NIRSAL's five pillars, the Credit Risk Guarantee (CRG), application requirements, and CBN regulatory framework.
Pledge Agreement (Nigeria)
A Pledge Agreement for Nigeria creating a security interest over movable personal property (shares, goods, negotiable instruments, or other chattels) in favour of a creditor. Governed by the Companies and Allied Matters Act 2020 (CAMA 2020), the Collateral Registry Act 2017, and applicable common law of pledge.
Promissory Note (Nigeria)
A Promissory Note for Nigeria — an unconditional written promise by a maker to pay a fixed sum of money to a payee on demand or at a specified future date. Governed by the Bills of Exchange Act (Cap B8, LFN 2004), the Stamp Duties Act (Cap S8, LFN 2004), and applicable Nigerian contract law. Used for personal loans, business credit facilities, and debt acknowledgement.
SME Loan Agreement (Nigeria)
An SME Loan Agreement for Nigeria governing a commercial loan to a small or medium enterprise under the Central Bank of Nigeria (CBN) SME financing framework, covering loan amount, interest rate, repayment schedule, security, and default remedies.
Vehicle Hire Purchase Agreement (Nigeria)
A Vehicle Hire Purchase Agreement for Nigeria by which a finance company or bank lets a vehicle to a hirer who pays instalments until full payment of the purchase price, governed by the Hire Purchase Act (Cap H4, LFN 2004) and the Central Bank of Nigeria consumer finance guidelines.
Financial Agreements
Advance Payment Guarantee (Nigeria)
An Advance Payment Guarantee (APG) for Nigerian commercial and construction contracts, compliant with the Companies and Allied Matters Act 2020 (CAMA 2020) and the Banks and Other Financial Institutions Act 2020 (BOFIA 2020). Issued by a bank or financial institution to secure repayment of advance payments made to a contractor or supplier.
Bank Guarantee (Nigeria)
A demand bank guarantee for use in Nigerian commercial transactions, compliant with the Banks and Other Financial Institutions Act 2020 (BOFIA), Evidence Act 2011, and CBN Guidelines. Suitable for performance bonds, advance payment guarantees, and bid bonds. Covers guarantor bank, beneficiary, principal, guaranteed amount, and demand conditions.
Bond Subscription Form (Nigeria)
A bond subscription form for Nigerian capital market offerings, compliant with the Investments and Securities Act 2007, Securities and Exchange Commission (SEC) Rules and Regulations 2013, and Debt Management Office (DMO) guidelines. Covers investor details, subscription amount, payment method, allotment terms, and declarations for FGN Bonds, corporate bonds, and sub-national bonds.
Chattel Mortgage (Nigeria)
A legally enforceable chattel mortgage agreement for Nigeria, governed by the Mortgage Institutions Act Cap M19 LFN 2004, the Companies and Allied Matters Act 2020 (CAMA 2020), and the Land Use Act 1978. Covers movable assets, repayment terms, default remedies, and registration with the Corporate Affairs Commission.
Commercial Paper Issuance Agreement (Nigeria)
A Nigeria Commercial Paper Issuance Agreement governing the issue of short-term debt instruments by a company, compliant with the Securities and Exchange Commission (SEC) Rules and Regulations 2013, CAMA 2020, the Investments and Securities Act 2007, and the Central Bank of Nigeria (CBN) guidelines on commercial paper.
Convertible Note Agreement — Nigeria
A convertible note agreement for Nigeria for early-stage startup financing. Covers principal amount, interest rate, maturity date, conversion mechanics (discount rate and valuation cap), default provisions, and governing law under CAMA 2020 and ISA 2007.
Cryptocurrency Exchange Terms — Nigeria
Terms and conditions for a cryptocurrency exchange platform operating in Nigeria. Covers account registration, KYC/AML compliance under the CBN Virtual Asset Service Provider (VASP) framework and the Money Laundering (Prevention and Prohibition) Act 2022, trading fees, risk disclosures, and dispute resolution.
Foreign Exchange Agreement (Nigeria)
A bilateral agreement governing the purchase, sale, or exchange of foreign currency in Nigeria, compliant with CBN Foreign Exchange (Monitoring and Miscellaneous Provisions) Act, CBN Foreign Exchange Manual 2018, and the Investors' and Exporters' (I&E) FX Window framework.
Guarantee Agreement (Nigeria)
A Guarantee Agreement for Nigeria by which a guarantor undertakes to pay the debt or perform the obligations of a principal debtor if the debtor defaults. Governed by Nigerian common law, the Statute of Frauds principles, and applicable state contract laws. Covers personal and corporate guarantees.
Ijarah Agreement (Nigeria)
A Sharia-compliant Ijarah (Islamic lease) agreement for Nigeria covering asset financing, rental of equipment or property, and hire-purchase structures. Governed by CBN's Non-Interest Finance guidelines, AAOIFI standards, and the Companies and Allied Matters Act 2020.
Investment Advisory Agreement (Nigeria)
An investment advisory agreement for Nigeria under which a registered investment adviser provides portfolio management or investment recommendations to a client. Compliant with the Investment and Securities Act 2007 and SEC Nigeria's registration requirements for investment advisers.
Investment Agreement (Nigeria)
An investment agreement for Nigeria governing equity investment into a company, covering share subscription, investor rights, anti-dilution, drag-along/tag-along provisions, and compliance with the Companies and Allied Matters Act 2020 and SEC Nigeria's Investment and Securities Act 2007.
Investment Club Agreement (Nigeria)
An investment club agreement for Nigeria establishing a voluntary group of members who pool funds to invest collectively in the Nigerian capital market. Covers membership, contributions, voting, profit sharing, exit rights, and compliance with SEC Nigeria guidelines and CAMA 2020.
Letter of Credit (Nigeria)
A Documentary Letter of Credit template for Nigerian trade finance transactions, compliant with the Uniform Customs and Practice for Documentary Credits (UCP 600), Central Bank of Nigeria foreign exchange guidelines, and the Bills of Exchange Act (Cap B8, LFN 2004).
Letter of Credit Application (Nigeria)
A formal Letter of Credit Application form for Nigerian importers to instruct their bank to open a documentary letter of credit. Complies with CBN Trade Finance Guidelines, Form M requirements, and UCP 600 (ICC Publication No. 600).
Mobile Money Agent Agreement (Nigeria)
A Mobile Money Agent Agreement for Nigeria that formalises the appointment of an agent by a licensed mobile money operator (MMO) under the Central Bank of Nigeria (CBN) Regulatory Framework for Mobile Money Services in Nigeria 2021. Covers agent obligations, transaction limits, KYC duties, float management, and CBN compliance requirements.
Murabaha Agreement (Nigeria)
A Murabaha (cost-plus financing) Agreement for Nigeria, compliant with Islamic finance principles and the CBN Non-Interest Finance Institutions (NIFI) Regulatory Framework 2011. Used by Jaiz Bank, Sterling Bank (alternative finance window), and other CBN-licensed non-interest financial institutions for asset financing without interest (riba).
Musharakah Agreement (Nigeria)
A Musharakah (Islamic partnership finance) Agreement for Nigeria, compliant with CBN Non-Interest Finance Institutions (NIFI) Regulatory Framework 2011. Documents profit-and-loss sharing partnership between financier and customer for business ventures, compliant with Sharia prohibitions on riba.
Payment Guarantee Bond (Nigeria)
A payment guarantee bond for Nigerian commercial transactions, under which a guarantor (typically a bank or insurance company) unconditionally guarantees payment of a specified sum to the beneficiary on demand or on default by the principal. Complies with the Dishonoured Cheques Act, the Banks and Other Financial Institutions Act (BOFIA) 2020, and standard CBN guarantee requirements.
Pension Trust Deed (Nigeria)
A pension trust deed for Nigerian occupational or defined benefit pension schemes, establishing the trust framework, trustee obligations, investment powers, and member benefit provisions under the Pension Reform Act 2014, PenCom regulations, and the Trustee Investments Act (Cap T22, LFN 2004).
Portfolio Management Agreement (Nigeria)
A Portfolio Management Agreement for Nigeria appointing a licensed investment adviser or fund manager to manage a client's investment portfolio. Governed by the Investments and Securities Act 2007 (ISA 2007), SEC Nigeria Rules and Regulations, and the CBN Investment Regulations. Covers mandate, fees, reporting, and fiduciary duties.
Private Placement Memorandum (Nigeria)
A Private Placement Memorandum (PPM) for Nigeria used by companies raising capital through private placement of shares, bonds, or other securities to qualified investors. Governed by the Investments and Securities Act 2007, SEC Nigeria Rules and Regulations 2013, and the Companies and Allied Matters Act 2020 (CAMA 2020).
SAFE Agreement (Nigeria)
A Simple Agreement for Future Equity (SAFE) for Nigeria, adapted for Nigerian company law under CAMA 2020, by which an investor provides funding to a startup in exchange for the right to receive equity in a future priced investment round. Complies with SEC Nigeria and CAC requirements.
Share Charge Agreement (Nigeria)
A Share Charge Agreement for Nigeria creating a fixed charge over shares in a Nigerian company as security for a loan or obligation. Governed by the Companies and Allied Matters Act 2020 (CAMA 2020) and the Collateral Registry Act 2017.
Standby Letter of Credit (Nigeria)
A Standby Letter of Credit (SBLC) issued by a Nigerian bank or financial institution under the International Standby Practices ISP98 and UCP 600 rules, governed by CBN regulations and the Banks and Other Financial Institutions Act 2020. Used as a payment guarantee in trade finance, construction contracts, and commercial transactions.
Stockbroker–Client Agreement (Nigeria)
A formal agreement between a Securities and Exchange Commission (SEC) registered stockbroker and a client for the execution of securities transactions on the Nigerian Exchange Group (NGX) under the Investments and Securities Act 2007, the SEC Rules and Regulations 2013, and the NGX Rules.
Sukuk Subscription Agreement (Nigeria)
A Sukuk Subscription Agreement for a Nigerian Islamic finance instrument issued under the Securities and Exchange Commission (SEC) Rules on Sukuk and the Debt Management Office (DMO) framework. Covers Ijara, Murabaha, and Musharaka structures used in Nigeria's sovereign and corporate sukuk market.
Surety Agreement (Nigeria)
A Surety Agreement for Nigeria by which a surety guarantees the obligations of a principal debtor to a creditor, governed by the Customary Law applicable in the relevant state, the common law principles of suretyship, and the relevant provisions of the Bankruptcy Act (Cap B2, LFN 2004).
Trade Finance Agreement (Nigeria)
A Trade Finance Agreement for Nigeria between a bank or financial institution and an importer or exporter, covering letters of credit, documentary collections, import finance, and export finance facilities governed by the Banks and Other Financial Institutions Act 2020 (BOFIA), CBN Trade Finance Regulations, and UCP 600.
Debt & Collections
Assignment of Debt (Nigeria)
A formal Assignment of Debt instrument for Nigeria by which a creditor (assignor) transfers the right to recover a debt owed by a debtor to a third-party assignee, governed by Nigerian common law and the Conveyancing Act 1881 applicable in southern states.
Payment Plan Agreement (Nigeria)
A payment plan agreement for Nigerian creditors and debtors, setting out an instalment schedule for repayment of an outstanding debt or obligation. Complies with contract law principles as applied in Nigeria, the CBN consumer credit framework, and the Limitation Act (Cap L16, LFN 2004).
Financial Forms
CBN Forex Form A (Nigeria)
A Central Bank of Nigeria (CBN) Form A for purchasing foreign exchange for eligible invisible transactions including medical fees, school fees, personal travel allowance (PTA), and business travel allowance (BTA) under CBN Foreign Exchange Manual 2006 and CBN Circular TED/FEM/FPC/GEN/01/010.
Profit and Loss Statement (Nigeria)
A Profit and Loss Statement (Income Statement) template for Nigerian businesses prepared in accordance with International Financial Reporting Standards (IFRS) as adopted by the Financial Reporting Council of Nigeria (FRC) under the Financial Reporting Council of Nigeria Act 2011. Covers revenue, cost of sales, gross profit, operating expenses, EBITDA, and net profit before and after tax.
Stamp Duty Assessment Form (Nigeria)
A formal application for stamp duty assessment submitted to the Federal Inland Revenue Service (FIRS) or State Internal Revenue Service under the Stamp Duties Act (Cap S8, LFN 2004), as amended by the Finance Acts 2019, 2020, and 2021. Covers assessments for conveyances, leases, mortgages, agreements, and other chargeable instruments.
Takaful Application Form (Nigeria)
An application form for Takaful (Islamic insurance) products in Nigeria, regulated by the National Insurance Commission (NAICOM) under the Insurance Act 2003 and the NAICOM Takaful Guidelines 2013. Covers family Takaful and general Takaful products compliant with Shariah principles.
Withholding Tax Schedule (Nigeria)
A Withholding Tax (WHT) deduction schedule and remittance record for Nigerian businesses under the Companies Income Tax Act (CITA), Personal Income Tax Act (PITA), and FIRS regulations. Documents WHT deductions from contractor payments, dividends, interest, rents, and professional fees, with remittance to the Federal Inland Revenue Service (FIRS) or relevant state IRS.
Insurance
Assignment of Insurance Policy (Nigeria)
A formal Assignment of Insurance Policy for Nigeria by which a policyholder (assignor) transfers the benefit and rights under a life or general insurance policy to an assignee, governed by the Insurance Act 2003 and Nigerian common law.
Insurance Claim Form (Nigeria)
An insurance claim form for Nigeria for notifying an insurer of a loss and initiating the claims process. Covers motor, property, life, and general insurance claims under the Insurance Act 2003, NAICOM guidelines, and the Nigerian Council of Registered Insurance Brokers (NCRIB) standards.
Insurance Proposal Form (Nigeria)
An insurance proposal form for Nigeria used by an applicant to apply for insurance cover. Serves as the basis of the insurance contract under the Insurance Act 2003, NAICOM guidelines, and the duty of utmost good faith (uberrimae fidei). Covers motor, property, life, and general insurance proposals to NAICOM-licensed insurers.
All Nigeria templates →