Stock Replacement Facility

The FBNBank Stock Replacement Facility is designed to provide a structured finance to traders and distributors of Fast Moving Consumer Goods (FMCG) Principals to meet working capital needs


  • Customer is required to make either a 20% or 30% equity contribution
  • Submit invoices for goods to be purchased
  • Maximum tenor of 18 months.
  • Payment will be made directly to the supplier
  • Tenor of 12 months



  • Improves your cash flow by bridging the gap between the time when you must pay for imported goods and the time when you receive payment for selling them
  • Enables you to pay suppliers promptly, building your business credit rating and reputation


Accompanying Documents

  • Application letter
  • Duly completed application form
  • Certificate of registration of business entity
  • Invoices of goods to be purchased
  • Audited financials
  • Company’s financials
  • Other Banks’ statement of account of 12 months preceding application


To apply for the Stock Replacement Facility

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