100% non-interest · Sharia-compliant · Open to everyone
Banking designed to
grow with you.
Quantum MFB is a forward-thinking, non-interest bank. We buy assets with you, invest alongside you and share the outcome — a modern, ethical partner built on partnership, not debt.
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Licensed by the CBN · Deposits insured by NDIC · NIFI certified
Regulated. Insured. Certified.
Licensed by the Central Bank of NigeriaRegulated non-interest microfinance bank
Deposits insured by the NDICNigeria Deposit Insurance Corporation
Certified Non-Interest Financial InstitutionSharia-compliant under CBN NIFI guidelines
We finance businesses
Capital that buys in — never debt that weighs you down.
Tell us what you're building and we purchase the asset with you, at a mark-up agreed before you sign. Fixed instalments that never change. Decided in days, not months.
- Disclosed mark-up — no interest, ever
- Instalments that never balloon
- Most requests approved within 72 hours
09:41
Murabaha request
Asset2× grinding machines
Cost price₦840,000
Agreed mark-up+₦84,000
12 fixed instalments₦77,000
Approved in 71 hours
ACE-certified · 0% interest
No interestNo hidden feesNo collateral grab
Business financing
Four honest ways to grow a business. Zero of them are loans.
Salam
Harvest & Produce Finance
Paid today for tomorrow's harvest.
Built for farmers. We pay you the full price of your produce upfront — maize, groundnut, rice, livestock — and take delivery at harvest. Cash when you need it most: planting season.
100% payment before plantingFair, agreed delivery quantitiesDesigned around the farming calendar
Murabaha
Trade & Asset Finance
We buy it. You own it.
Need stock, equipment or raw materials? We purchase the asset and sell it to you at a transparent, agreed mark-up — paid in instalments that never change. No interest, no surprises.
Musharakah
Partnership Capital
Your business. Our capital. Shared outcome.
We invest in your business alongside you and share the profit — and the risk — by a pre-agreed ratio. A true partnership, not a debt hanging over your shop.
Ijarah
Lease-to-Own
Tractors, keke, grinding machines, delivery vans — we lease productive assets to you for a fixed rental, and ownership transfers to you at the end of the term.
- Fixed rentals for the full term
- Maintenance terms agreed in writing
- Ownership transfers to you
Good questions
“A bank without interest — how?”
Yes. Quantum MFB is a licensed non-interest microfinance bank. We neither charge interest on financing nor pay interest on deposits. Instead, we use Sharia-compliant contracts — trade with disclosed mark-up (Murabaha), partnership (Musharakah), leasing (Ijarah) and profit-sharing (Mudarabah) — where our earnings come from real economic activity.
Ethical by design
Savings that earn honestly — profit, not interest.
Your money is invested in ethically-screened, asset-backed ventures, and you receive a transparent share of the real profit every quarter. Certified continuously by our Advisory Committee of Experts.
- Real profit declared every quarter
- Only halal, asset-backed ventures
- ACE-certified — an audit trail, not a label
09:41
Mudarabah savings
Q2 profit declared
+₦38,450
Your honest share of real venture profit — never fixed interest.
How it was earned
Agro-trade pool+₦21,300
Retail partnership+₦11,900
Equipment leasing+₦5,250
Declared transparently every quarter by your ACE.
Personal banking
One card. Every market we serve. Zero interest.
Spend, send and save with a Quantum debit card on a Wadiah account held in trust — your deposits guaranteed, never lent out at interest, and insured by the NDIC.
- Wadiah safekeeping — deposits guaranteed
- Instant transfers & bill payments
- Open from your phone, anywhere in Nigeria
Debit5399 •••• •••• 2071
Aisha Mohammed
Verve
Debit5399 •••• •••• 2071
Aisha Mohammed
Verve
Debit5399 •••• •••• 2071
Aisha Mohammed
Verve
The numbers behind partnership banking.
₦0.0B+
deployed into customer businesses
0+
customers banking without interest
0
communities reached
0%
interest — charged or paid, ever
Figures shown are launch placeholders pending the bank's confirmed numbers.
How partnership banking works
Three steps. No fine print. No interest.
01
Tell us what you're building
Walk into a branch, call, or apply from your phone. A relationship officer — not a form — looks at your trade, your market and your plan.
02
We buy in, not lend out
We purchase the asset, pay for the harvest, or invest capital alongside you under a contract certified by our scholars. You see every number before you sign.
03
We share the outcome
You pay fixed instalments or share profits by the agreed ratio. When the term ends, the asset — and the whole business — is fully yours.
From the markets we serve
Our customers are talking.
They didn't give me a loan — they bought the grinding machines with me. When the business grew, we both smiled. That is banking with sense.
Hauwa Abdullahi
Grain processor
Salam finance paid me before planting season. For the first time I didn't borrow from anyone to farm my maize. At harvest, I delivered. Simple, clean.
Usman Bello
Maize farmer
As a Christian businesswoman, I bank here because the terms are simply fairer. Fixed instalments, no hidden charges. Ethical means ethical for everyone.
Grace Yohanna
Textiles trader
Market stall
📷 Photo slot — trader at her stall, modest dress, warm morning light
Maize fields
📷 Photo slot — farmer inspecting crop, wide agricultural landscape
Livestock market
📷 Photo slot — livestock traders at work, documentary style, Sharia-compliant framing
Banking that answers to your conscience.
Open an account in minutes, or sit with us about financing your business. Either way — not one kobo of interest.
Or download the Quantum MFB App