Digital business banking and loans for Nigerian founders
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.
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
