Grace Kapital – Market Don Better
🏦 Part of the Excel & Grace Group

Your Money.
Working Harder
For You.

Grace Kapital is a Port Harcourt-based microfinance institution providing business loans, savings, and investment opportunities to individuals and businesses.

💰 Check Loan Eligibility 📈 Invest & Earn 25%
1,658+ Customers served
₦390M+ Loans disbursed
1.075% Non-performing loan rate (2025)
...Market Don Better

Started in 2020 with ₦300,000. Now managing over ₦138M in savings and ₦390M in loans — and growing.

75%
of our customers return for more support. That's the trust we've earned.

Loans from ₦50,000 to ₦7,000,000 · Savings Products · 25% Investment Returns · 3 Branches in Port Harcourt

Our Products

What We Offer
The People of Port Harcourt

Simple, accessible financial products designed for real life — not paperwork. Whether you need money to grow or a safe place to save, we have something for you.

💼
Loan Products
₦50,000 – ₦7,000,000
→
Business Loans
Capital to grow your business — whether you are a trader, manufacturer, or service provider. Available to qualifying business owners in Port Harcourt.
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Salary Advance Loans
For working professionals who need quick cash before payday. Fast, simple, and discreet.
🏦
Savings Products
Save small. Collect big.
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Regular Savings
Save daily, weekly, or monthly. Our agents come to you. No bank queue, no wahala.
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Foodstuff Savings
Save now and collect bags of rice, beans, oil, and more at Christmas. Available in 6-month and 12-month packages.
→
Home Appliance Savings
Save for your TV, fridge, AC, phone, or kitchen appliances. We help you get what you want — without debt.
📊
Save to Earn
Investment Product · 25% p.a.
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Minimum: ₦5,000,000
Invest your money with us and earn 25% per annum. Paid quarterly or at maturity — your choice.
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Certificate of Investment
Your investment is backed by a signed certificate from our MD. Transferable to a next of kin. Fully documented.
→
Use as Collateral
Need a loan but don't want to touch your investment? Use it as collateral and keep earning while you borrow.
Business Loan Eligibility

Who Can Apply for
a Business Loan?

Grace Kapital business loans are currently available to business owners in Port Harcourt who meet our basic eligibility requirements.

✓
You own and operate a business in Port Harcourt
✓
Your business has a physical business location
✓
You can provide the required guarantor(s)
✓
Your business must meet our assessment requirements

Other loan terms and assessment requirements will be discussed with our team.

Think You Qualify?

Send us a WhatsApp message and our team will explain the next steps and the other terms that apply to your loan.

Check My Eligibility →
Investment Opportunity

You Can Earn,
While We Lend.

We are opening our loan portfolio to smart investors. Put your money to work at 25% per annum — while we do all the work.

Minimum
₦5M
Maximum
₦20M
25%
Per Annum
Earn quarterly or collect everything at maturity. Your money, your choice.
📜
Certificate of Investment
Every investment is backed by a signed certificate from our Managing Director. Your money is documented and protected.
🔁
Use It as Collateral
Don't want to break your investment? Use it to secure a loan from us. Keep earning while you access funds.
👨‍👩‍👧
Next-of-Kin Transfer
Your investment can be transferred to a next of kin. Fully documented and protected for your family.
🎁
Annual Raffle Draw
Investors get to participate in our annual raffle draw — cash prizes and rewards for our loyal investors.
Our Story
"Help everyday people get access to money and financial tools."

That was our mission when we started in August 2020 with just ₦300,000. No big investors. No legacy funding. Just a belief that the people of Port Harcourt — market women, small traders, young professionals — deserved better access to money.

Five years later, we have served over 1,658 customers, disbursed more than ₦390 million in loans, and collected over ₦138 million in savings. We started as a small lending shop and grew into a trusted financial institution with three branches across Port Harcourt.

We have faced challenges too. Our non-performing loans once reached 15%. We fixed it. As of December 2025, it stands at 1.075% — one of the best in the industry. We migrated from manual operations to full software management at the end of 2024. We keep getting better.

🏦 Founded August 2020  ·  Port Harcourt, Rivers State
₦300K We started with this amount in 2020
1,658+ Total customers served
₦390M+ Total loans disbursed
₦138M Total savings collected
3 Branches across Port Harcourt
75% Customers who return for more
Our Team

The People Behind
Grace Kapital

Decades of combined experience in finance, lending, and people management — driven by integrity and a genuine desire to help our customers grow.

Dr. Festus Erewele
MD
Dr. Festus Erewele
Managing Director
Nnamdi Ibe
ED
Nnamdi Ibe
Executive Director
Adm. Adeyomoye Adewale
MGR
Adm. Adeyomoye Adewale
Business Manager
Mr. Ayodele Francis
HR MGR
Mr. Ayodele Francis
Human Resource Manager
Solomon Eneogwe
CAO
Solomon Eneogwe
Compliance & Audit Officer
Mrs. Aderounmu Adebimpe
SUPERVISOR
Mrs. Aderounmu Adebimpe
Mile 3 Branch Supervisor
Mr. Ikechukwu Godwin
IT
Mr. Ikechukwu Godwin
IT Support Officer
Miss Ifeoma Okonta
RECON
Miss Ifeoma Okonta
Head of Reconciliation & Admin
Find Us

Three Branches.
All Across Port Harcourt.

We are always close to you. Walk in, call us, or send a WhatsApp. We are ready.

1
Head Office
Rumuigbo, Port Harcourt
📍 No. 42 Rumuibo Road, Opposite Psychiatric Hospital, Rumuigbo — Excel & Grace Plaza
📞 +234 703 612 9886
💬 WhatsApp Head Office
2
Mile 3 Branch
Mile 3, Port Harcourt
📍 Opposite Mile 3 Plaza, Better Life Plaza, Mile 3, Port Harcourt
📞 0816 552 4803
👩‍💼 Branch Supervisor: Mrs. Aderounmu Adebimpe
3
Oil Mill Branch
Rumukurushi, Port Harcourt
📍 Seed Market Plaza, Rumukurushi Oil Mill, Port Harcourt
📞 0706 465 1643
👩‍💼 Branch Supervisor: Cherechi Elizabeth
Take the First Step

Ready to Apply, Save,
or Invest?

Whether you need a loan, want to save smarter, or are looking to earn 25% on your investment — we are just a phone call or WhatsApp away.

💬 WhatsApp Us Now 📞 Call Head Office

Available Monday – Saturday · Port Harcourt, Rivers State