Federal Government Grant and Loan Portal 2026: The Complete Application Guide
In 2026, the Federal Government of Nigeria (FGN) has expanded its financial support systems to help small businesses, students, and manufacturers navigate the current economic climate. If you are looking for an fg grant loan or an fg loan, the process has been fully digitized to ensure transparency.
Whether you are a student looking for a zero-interest loan or an entrepreneur searching for a federal government grant, this guide provides the official federal government grant portal links and application steps.
1. Official Federal Government Grant and Loan Portals (2026)
The government manages different funds through specialized portals. Depending on your needs, you must visit the correct federal government loan portal:
A. For MSMEs and Manufacturers: FGN/BOI Intervention Portal
The Bank of Industry (BOI) manages the federal government grant and loan portal specifically for business owners.
Purpose: To reduce production costs and boost job creation.
Grant Type: Nano-grants and SME loans up to ₦50 million.
B. For Students: NELFUND Portal
The Nigerian Education Loan Fund (NELFUND) is the official federal government loan portal for tertiary students.
Purpose: Zero-interest loans for institutional charges and monthly upkeep.
Portal: nelf.gov.ng
Application Requirement: JAMB Number, NIN, and BVN.
C. For Innovators: Student Innovation Grant Portal
A new 2026 initiative for student-led startups in STEMM fields.
Grant Limit: Up to ₦50 million (Equity-free).
Portal: svcg.education.gov.ng
2. How to Apply for Federal Government Grant and Loan Online
The federal government grant application process usually follows a standardized four-step flow.
Registration: Visit the specific fg grant and loan portal and create an account using your email and phone number.
Verification: You will be required to provide your NIN (National Identification Number) and BVN (Bank Verification Number) to prevent multiple applications.
Documentation: Upload required documents, such as your CAC registration (for businesses) or admission letter (for students).
Submission & Review: After submission, your application will undergo a verification process by the relevant agency (BOI, NELFUND, or SMEDAN).
3. Eligibility Criteria for FG Grant and Loan
To qualify for an fg loan or grant, you must meet the following general requirements:
Citizenship: Must be a Nigerian citizen.
NIN: Must have a valid National Identification Number.
Bank Account: Must have a bank account linked to a BVN.
For Businesses: Evidence of business registration (CAC) and a clear plan for how the federal grant and loan will be used.
For Students: Must be enrolled in a recognized public tertiary institution.
| Category | Funding Type | Maximum Amount | Portal Link |
|---|---|---|---|
| Nano Business | Grant (FG Grant) | ₦50,000 | BOI Portal |
| SME / Manufacturing | Loan (FG Loan) | ₦50,000,000 | BOI Portal |
| Tertiary Students | Student Loan | Full Tuition + Upkeep | NELFUND |
| Tech Startups | Innovation Grant | ₦50,000,000 | Ministry of Education |
The FG Real Estate Grant and Loan: MOFI & MREIF
While many search for a federal government grant portal for general business, real estate investors and homebuyers should look toward the Ministry of Finance Incorporated (MOFI).
MOFI has launched a ₦1 Trillion issuance program to address the housing deficit through the MOFI Real Estate Investment Fund (MREIF). This is the official "Real Estate FG Loan" for 2026.
What is MREIF?
The MOFI Real Estate Investment Fund (MREIF) is a government-backed fund designed to provide long-term, low-cost financing for the housing sector. It serves two main groups:
For Homebuyers: It provides mortgages at a single-digit interest rate of 9.75%—significantly lower than the standard 25-30% commercial bank rates.
For Developers: It offers construction finance and guarantees to help developers complete "Renewed Hope" housing projects across Nigeria.
How to Apply on the FG Real Estate Portals
If you are looking for the fg grant and loan portal specifically for housing, you must use these specialized 2026 links:
Homebuyer Application: Visit mreif.com.ng to create an account, select a verified property, and apply for a 20-year mortgage.
Renewed Hope Housing Portal: For direct government housing allocations, the official federal government grant application window is renewedhopehomes.fmhud.gov.ng.
Bank Partnerships: You can also apply for the MOFI-backed loan through partner banks like First Bank (MREIF Home Loan).
Important Security Warning: Identifying Fake Portals
With the high demand for government loans, many fraudulent "fg grant and loan portal" websites exist. Always check the domain:
Official portals must end in .gov.ng or be hosted by the Bank of Industry (boi.ng).
The government will never ask for a "processing fee" or "activation fee" to release a grant. If a site asks for money to give you money, it is a scam.
