✅ Apply Today, Get Paid Fast! FG Survival Funds & Grants Now Open for Nigerians in 2025
The Federal Government of Nigeria, under the leadership of President Bola Ahmed Tinubu, has reopened and expanded its survival fund and grant programs for 2025. These initiatives, driven by the vision of an inclusive and prosperous economy, aim to support Nigerian citizens and micro, small, and medium enterprises (MSMEs) with direct financial assistance. Whether you’re a small business owner, artisan, market trader, youth entrepreneur, or part of a vulnerable household, now is the best time to take advantage of these timely and impactful economic interventions.
1. Overview of the 2025 Survival Fund Program
The FG Survival Fund Program is a multi-layered intervention designed to reduce poverty, support small businesses, and generate employment across Nigeria’s 36 states and the FCT. The programs are being supervised by the Federal Ministry of Industry, Trade, and Investment in partnership with SMEDAN, NIRSAL Microfinance Bank, and other accredited government bodies.
Key Objectives:
- Support vulnerable individuals and families with direct grants
- Strengthen small businesses through payroll support
- Create jobs through guaranteed offtake and capacity-building initiatives
- Stimulate grassroots economic growth
These initiatives are open to all eligible Nigerians and prioritize inclusion across all geopolitical zones, including rural areas.
2. Types of Available FG Funds and Grants in 2025
a. MSME Payroll Support
The Payroll Support initiative targets businesses struggling to retain their employees due to economic constraints. Through this program, the government pays up to N30,000 per employee for a limited period.
Eligibility:
- Nigerian-owned business with valid CAC registration
- Minimum of 3 staff on the payroll
- Valid BVN and TIN of business owner
How to Apply:
- Register at the official Survival Fund portal (https://survivalfund.gov.ng)
- Complete the payroll section with staff BVNs and salary details
- Submit and await verification and payment
b. MSME Grant (One-Time N50,000 Support)
This one-time grant of N50,000 is available to small and micro-businesses across all sectors, including agriculture, fashion, transportation, and manufacturing.
Requirements:
- BVN-linked account
- CAC certificate or business registration
- Evidence of business operation (photos, customer records)
Grants are disbursed directly to your bank account, no repayment required.
c. FG Palliative Fund for Vulnerable Households
Under the 2025 palliative strategy, the Tinubu administration has introduced targeted cash transfers to help households cope with inflation and fuel subsidy reforms.
Disbursement Plan:
- Households receive between N25,000 to N75,000 monthly for up to six months
- Payment is done via verified BVN accounts linked to the National Social Register
How to Access:
- Register through your local government or state social investment office
- You can also visit the national palliative portal (https://nasims.gov.ng)
d. Targeted Credit Facility (TCF)
The Targeted Credit Facility, coordinated by NIRSAL Microfinance Bank, provides affordable loans to businesses and individuals needing capital to grow or stabilize operations.
Loan Details:
- Up to N3 million for individuals
- Up to N10 million for SMEs
- Interest rate: 9% per annum
- Repayment period: Up to 3 years
Collateral:
- Acceptable forms include guarantors, moveable assets, or deposit savings
Application Process:
- Visit https://nmfb.com.ng and click on “Loan Products”
- Select “Targeted Credit Facility” and fill out the online application
- Upload CAC, business plan, ID, and bank statements
3. FG Grant Opportunities Through SMEDAN in 2025
The Small and Medium Enterprises Development Agency of Nigeria (SMEDAN) is actively disbursing conditional grants to registered micro enterprises nationwide.
Highlights:
- Grant amount: N50,000 – N100,000
- No repayment required
- Must have SMEDAN number and a registered business
To Register for SMEDAN ID:
- Visit https://smedanregister.ng
- Fill out the MSME form and receive your SMEDAN Unique Identification Number
Grant Application:
- Watch out for public calls via SMEDAN or survival fund websites
- Submit documents online or via designated business development centers
4. Guaranteed Offtake Scheme
This scheme is designed to assist small-scale producers by purchasing their goods directly through government procurement agencies.
Eligible Products:
- Processed foods
- Household essentials (soap, detergent, etc.)
- Agricultural products
Who Can Apply:
- Registered MSMEs with production capacity
- Must show proof of quality standards and packaging
Process:
- Apply on https://survivalfund.gov.ng
- Submit product samples and pricing proposal
- If approved, FG signs procurement agreement and pays advance
5. Who Is Eligible to Apply for FG Funds in 2025?
To qualify for any of the above programs, applicants must:
- Be a Nigerian citizen with valid identification
- Have a BVN-linked bank account
- For businesses: Be registered with CAC or state/local business registry
- Possess a Tax Identification Number (TIN)
- Be part of a cooperative or business cluster (for production-related grants)
Special priority is given to:
- Women and youth entrepreneurs
- People with disabilities (PWDs)
- Businesses in underserved rural areas
6. How to Apply – Step-by-Step Guide
Step 1: Prepare Your Documents
- National ID or Driver’s License
- BVN-linked account
- CAC Certificate or Business License
- TIN Certificate
- Business plan (for loan products)
Step 2: Choose the Right Program
- Visit https://survivalfund.gov.ng or https://nmfb.com.ng
- Click on the program that matches your needs
Step 3: Create a Profile
- Use a valid phone number and email
- Enter your BVN and verify
Step 4: Upload Documents
- Attach scanned copies of all necessary certificates
Step 5: Submit and Track Your Application
- Print or save your application reference number
- Log in regularly to check status
7. Success Stories So Far
Since inception, the survival fund program has:
- Benefited over 2 million individuals and businesses
- Injected more than N75 billion into the grassroots economy
- Prevented closure of over 200,000 small businesses
- Provided direct employment to 1.3 million Nigerians
Many entrepreneurs in states like Lagos, Enugu, Kano, and Cross River report using the N50,000 grant to purchase new equipment or increase inventory.
8. How to Avoid Scams
The rise in fake grant messages and impersonators makes vigilance essential:
What to Watch Out For:
- Websites asking for upfront payment
- Individuals requesting processing fees
- Anonymous WhatsApp or Facebook links
What to Trust:
- Official government portals: https://survivalfund.gov.ng, https://nmfb.com.ng, https://smedan.gov.ng
- Verified government social media pages (e.g., @survivalfund_ng, @NirsalMFB)
9. Final Words: Don’t Miss This Opportunity
President Tinubu’s administration has made inclusive economic recovery a cornerstone of its Renewed Hope Agenda. These funds and grants are part of a broader effort to empower every Nigerian who is willing to work and grow.
Whether you are:
- A barber who needs new clippers
- A baker who wants to buy an oven
- A trader needing working capital
- A farmer seeking offtake support
—there is something for everyone.
Apply now. Don’t delay. Get paid fast!
For support with applications, visit any of the following:
- Your local SMEDAN office
- Any NIRSAL Microfinance Bank branch
- Ministry of Trade and Investment offices nationwide