CIL

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Smart Financial Solutions

Cards Built for Every Sector

Specialized cards and financing for hotels, energy, and agriculture — designed to power your business and lifestyle.

Modern hotel lobby

Access CIL-managed hotels

With the Hotel Platinum Card

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Active Cards

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Partner Hotels

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Energy Projects

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Agri-Vendors

Our Product Cards

Specialized solutions for hotels, energy, and agriculture

Luxury hotel room

Hotel Platinum Card

Premium

Access CIL hotels, pay at CIL-managed properties, and purchase hotels.

  • ✓ Access CIL-managed hotels
  • ✓ Pay at CIL hotels & partners
  • ✓ Purchase hotel properties
  • ✓ Exclusive discounts & upgrades
Solar panels on roof

CIL Energy Card

For solar installers, manufacturers, and end-users.

  • ✓ Installers: buy equipment on loan
  • ✓ Users: purchase solar products
  • ✓ Pay for PPA solar & lease-to-own
  • ✓ Flexible repayment plans
Farmer in field

CIL Agri-Card

For farmers and agri-businesses.

  • ✓ Farmers: buy from manufacturers
  • ✓ Users: purchase from CIL vendors
  • ✓ Online & offline POS payments
  • ✓ Apply for agricultural loans

Financing Solutions

Comprehensive financing options designed to fuel growth across every sector of the economy

Business team meeting
Growth

Business Growth Finance

Funding for SMEs, manufacturers, retailers, and service providers to scale operations.

Amount

₦500k – ₦50M

Tenor

3 – 24 months

  • ✓ Working capital for daily operations
  • ✓ Expansion and scaling funding
  • ✓ Inventory and equipment purchase
  • ✓ Flexible repayment terms
Learn More →
Modern building
Real Estate

Property & Real Estate

Financing for property acquisition, development, renovation, and hospitality projects.

Amount

₦5M – ₦500M

Tenor

6 – 60 months

  • ✓ Property acquisition and development
  • ✓ Hotel and hospitality projects
  • ✓ Commercial real estate investment
  • ✓ Renovation and expansion
Learn More →
Farm landscape
Agriculture

Agriculture Finance

Funding for commercial farming, food production, agribusiness, and agricultural equipment.

Amount

₦1M – ₦100M

Tenor

3 – 36 months

  • ✓ Commercial farming operations
  • ✓ Food production and processing
  • ✓ Agricultural equipment purchase
  • ✓ Seasonal financing options
Learn More →
Industrial machinery
Equipment

Asset & Equipment Finance

Financing for machinery, vehicles, renewable energy systems, and productive business assets.

Amount

₦500k – ₦200M

Tenor

6 – 48 months

  • ✓ Machinery and industrial equipment
  • ✓ Commercial vehicles and fleet
  • ✓ Renewable energy systems
  • ✓ Asset-backed financing
Learn More →

What Our Customers Say

★★★★★

"The Hotel Platinum Card transformed our business. We now have access to premium hotels and exclusive discounts."

— Adebayo Hotels, Lagos

★★★★★

"CIL Energy Card helped us scale our solar installation business. The equipment financing was a game-changer."

— GreenTech Solar, Abuja

★★★★★

"The Agri-Card made it easy to purchase inputs from CIL vendors. Our farm productivity has increased significantly."

— FarmFresh Produce, Kaduna

Frequently Asked Questions

Who can apply for CIL cards? ▼

Anyone can apply for CIL cards. Whether you are a hotel owner, solar installer, farmer, or individual looking for specialized financing, our cards are designed for you.

How long does it take to get approved? ▼

Most applications are processed within 24-48 hours. Once verified, your card will be activated and ready to use immediately.

Where can I use the cards? ▼

The Hotel Platinum Card can be used at CIL-managed hotels and partner properties. The Energy Card works with approved solar vendors. The Agri-Card is accepted at CIL vendor locations both online and offline.

What is the repayment period? ▼

Repayment periods vary by product and amount. We offer flexible plans ranging from 3 to 36 months to suit your financial needs.

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