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Online business loans have become a popular financing option over the past decade as banks have scaled back on loans to small businesses. Small-business loans made up nearly half of all bank loans.

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Central Bank of Nigeria (CBN) on Monday said that many Nigerians are unable to access loans from commercial banks because they cannot distinguish between working and fixed capital. The apex bank added.

A commercial loan is a type of small business loan, and it is technically a debt-based financing agreement between a lender and a small business. You get the funding you need for your business growth, and of course, you repay it with full interest over a period of time. Commercial loans from an alternative lender will be less time consuming as.

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