AI agents for business finance: what they can and can't do
What AI agents can do in bookkeeping, close, collections and compliance today, where a person must stay in charge, and how to judge a product.
Meet Eva, the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals and follows up. Nothing leaves your account without your approval.
Meet Eva, the assistant inside the Pryme app. She holds dollars, pounds, euros and Naira side by side, swaps at a locked rate, pays bills in any of them and sends anywhere, asking before anything moves.













We give you a limit to spend at the shops and services you already use — and an account that works on your month while you get on with it. Dollars, pounds and euros sit beside your Naira, and an assistant handles the running of it, asking you first every single time.
One global account for your money and business. Move across currencies, automate everyday operations and put AI agents to work — with you in control of every important decision.




Evayour assistant
DanielChief of Staff
BenFinance
BruceCareYour competitor down the road sells the same thing you sell. The difference is who walks in. We put money in people’s hands that can only be spent in businesses like yours — and then we point them at you.
You are not borrowing. You are selling to somebody who already has the money — and that money can only be spent with a business like yours.
₦100,000 from day one · agreement v2.1 · 12 Aug · View
Eva waits for your rate and asks before she moves anything.
No card, no OTP, nothing for the buyer to type in. They transfer from the bank app they already use, and the money lands in the same account your agents are running — already matched to the order, already in your books.
We give the buyer a one-time account number. They transfer to it from any bank app or by USSD — no card, no OTP, nothing to type in.
Get the account numberTo this account, from any bank app. We watch it, and the page updates itself.
₦26,767.50 from GTBank · John D., matched to order ORD‑1042.
Five agents come with the account. Each one has a job description, a budget and a ceiling you set. They do the work and bring it to you — nothing leaves the account without your signature.
Knows what is stuck, who is waiting and what you promised — and keeps all three moving.
Booked a meeting with John Doe Foods for Thursday 11:00.Keeps the books as you trade and tells you the moment something does not add up.
Flagged a duplicate — invoice DP‑11908 was already paid in July.Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.
Screened 412 payments overnight and refused two of them.Goes back to the buyers who went quiet, with the receipt already attached.
Recovered ₦410,000 across three overdue invoices.Replies, follows up on what they asked for and hands you only the ones that need you.
Resolved 4 conversations — two deliveries, one refund.Issue a dedicated Naira account number to each of your own customers, collect into it and reconcile against it. The same rails the Business Account runs on, with the licence behind them.
Dollars, pounds and euros beside a Naira account, on one ledger and one set of books. Five agents come with it and run the account — nothing leaves without your signature.
Five agents come with the account. Each has a job description, a budget and a ceiling you set. They do the work and bring it to you — they propose, you approve.
Knows what is stuck, who is waiting and what you promised, and keeps all three moving.
Booked the quarterly review with your auditor for Thursday.Keeps the books in every currency you hold and flags the moment something does not add up.
Flagged a duplicate — invoice DP‑11908 was already paid in July.Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.
Screened 412 payments overnight and refused two of them.Goes back to the buyers who went quiet, with the invoice and the receipt already attached.
Recovered $12,400 across three overdue invoices.Replies, follows up on what they asked for and hands you only the ones that need you.
Resolved 4 conversations — two deliveries, one refund.The business has changed shape four times and never changed what it was rooted in. Each version was built out of what the last one could not do.
An online grocery store, built out of a faulty tab. Selling the food was the easy part — taking the money for it, and moving it, turned out to be the business.
A prepaid card. The first time the company issued rather than resold, and the first time it carried the obligations that come with holding somebody else’s money.
Solid Allianze acquired — an existing bank with an existing licence. The perimeter stopped being someone else’s to draw.
More than one currency on one balance, and the rebrand to Pryme. A Nigerian business could hold dollars without holding a second institution.
Accounts that do the work rather than only hold value. Five agents on the account, inside a policy you write — which is where the new mark starts.
Pryme is a financial technology company. It gives people and businesses in Nigeria one account that holds Naira alongside dollars, pounds and euros, and a set of agents that do the running of it — keeping the books, chasing what is owed, answering customers and paying bills. Nothing leaves an account without the owner’s approval.
Yes. A Pryme account holds Naira, US dollars, pounds sterling and euros side by side on one ledger, each with its own account details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area. You can swap between them at a rate you set, and every currency has its own statement.
Spaces is available in Nigeria. It gives a shopper money to spend that can only be spent with a participating business. The business is paid into its Naira account whether or not the shopper repays, because Pryme carries the credit. For the business it is free to join, there is nothing monthly, and the customer’s identity is never shown — only a reference and what it is worth.
Five agents come with the account. The Chief of Staff runs the week and keeps what is stuck moving. Finance watches the money and keeps the books as you trade. Compliance keeps the filings on time and screens what moves. Sales chases what you are owed. Customer Support answers your customers and follows up. Each has a job description, a budget and a ceiling you set, and each one proposes rather than acts — nothing leaves the account without your signature.
Pryme Pay takes payments on your own site or on a checkout page you control. The buyer is given a one-time account number and transfers to it from any bank app or by USSD — no card, no OTP, nothing to type in. The money lands in the same account your agents are running, already matched to the order and already in your books.
Savings Boxes are separate pots inside a Pryme account, held in Naira. Flexible Boxes can be withdrawn at any time, Fixed Boxes hold to a date, Investment Boxes hold for longer, and Interest-free Boxes earn nothing by design. A business can use them to ring-fence payroll and the tax it withholds, so that money cannot be spent by accident.
Pryme is a financial technology company, not a bank. Accounts and deposits are provided by Solid Allianze Microfinance Bank Limited, which is licensed by the Central Bank of Nigeria and is a member of the Nigeria Deposit Insurance Corporation.
Yes. Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.
Pryme is a financial technology company. It gives you one account that holds US dollars, pounds sterling and euros beside Naira, with an assistant that runs the account for you and asks before anything moves. Accounts are provided in Nigeria today, and further markets open as each licence lands.
Accounts are provided in Nigeria today, subject to verification and approval. Foreign-currency balances are held and converted inside that account, so you can hold, receive and swap dollars, pounds and euros wherever you are.
Naira, US dollars, pounds sterling and euros, side by side on one ledger. Each has its own details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area — and each has its own statement.
Swap at a rate you set rather than the rate of the day, then send to any Pryme username or to a Nigerian bank account. There is no fee to send to another Pryme account.
Eva is the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals, pays what is due and follows up what is owed to you — and asks you before anything moves.
Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.
Notes on money that does the work: what we are building, what the regulation actually says, and how we think about letting software act on money. Read the Ledger
What AI agents can do in bookkeeping, close, collections and compliance today, where a person must stay in charge, and how to judge a product.
How multi-currency business accounts work: local details vs SWIFT, payment rails, the real cost of FX, safeguarding vs deposit protection, and hedging.
How UK, US, Canadian and European firms pay Nigerian suppliers and get paid by Nigerian clients: FX, Form A and M, tax, compliance and payout routes.
What it really costs to send money to Nigeria from the UK, US, Canada and Europe: fees, exchange-rate margins, CBN naira rules, BVN, speed and scams.
What AI can and cannot do in day-to-day bookkeeping, how much time it saves on real numbers, and which jobs must stay with you or your accountant.
Every main SME loan, grant, guarantee and tax relief in Nigeria in one table, as of October 2026: amounts, rates, who qualifies and the official page.
As of October 2026, Nigerian SMEs can draw on federal development lenders (BOI at 10% to 13%, DBN through 84 partner lenders), special funds (FGN/BOI MSME loan at 9%, BOI GLOW for women at 7%, iDICE for tech and creative firms at up to 10%), NIRSAL MFB, Lagos's LSETF, grants (SMEDAN ₦50,000, TEF US$5,000) and tax reliefs including 0% company income tax for small companies.
Last updated: October 2026
| Programme | Amount | Rate a year | Tenor | Who it is for | Apply via | Our page |
|---|---|---|---|---|---|---|
| BOI SME loans | ₦10m to ₦1bn | 10% to 13% (BOI, Sep 2026) | 3 to 5 years | Manufacturing, processing, agriculture, services, trading | boi.ng | BOI products |
| FGN/BOI MSME intervention loan | ₦5m general; up to ₦20m manufacturing; ₦50m on portal (reported) | 9% | 3 years (reported) | Registered MSMEs; manufacturers and agro-processors | fgnboimsmeinterventionloan.boi.ng | FGN/BOI loan |
| BOI GLOW | ₦10m micro; ₦50m SME | 7% (reported) | Not stated | Women-led businesses | glow.boi.ng | Women's funding |
| BOI-iDICE Debt Fund | ₦10m to ₦1bn | Up to 10% | Up to 5 years | Tech and creative firms with traction | BOI / iDICE portal | iDICE |
| IsDB-iDICE Debt Fund | Not stated (US$65m fund) | Murabaha margin | Not stated | Productive assets | iDICE portal | iDICE |
| DBN-funded loans | Up to ₦200m | Set by lender | Up to 10 years | MSMEs under 250 staff, ₦950m turnover | 84 partner banks and MFBs | DBN |
| AfDB women's line via DBN | US$61m package | Set by lender | Long-term | Women-owned SMEs | DBN partner lenders | Women's funding |
| NIRSAL MFB AGSMEIS | Up to ₦10m (another guide: ₦3m) | 9% (reported) | Up to 7 years | Farmers and small businesses after training | NMFB branch | NIRSAL MFB |
| NIRSAL MFB Amazon | Up to ₦1m each | Not published | Not published | Women's groups of 5 to 10 | nmfb.com.ng/amazon | NIRSAL MFB |
| LSETF | ₦500k to ₦5m+ (reported) | 5% (reported) | Not stated | Businesses operating in Lagos for a year | LSETF portal | LSETF |
| Programme | Amount | 2026 window | Who it is for | Our page |
|---|---|---|---|---|
| SMEDAN Conditional Grant Scheme | ₦50,000 | Open, no deadline (Oct 2026) | Nano businesses hiring one person | Conditional Grant |
| TEF Entrepreneurship Programme | US$5,000 | 1 Jan to 1 Mar 2026 | African founders, idea to 5 years | TEF 2026 |
| Google for Startups Accelerator: Africa | Equity-free support | 4 Feb to 18 Mar 2026 | Growth-stage tech | Calendar |
| Accelerate Africa | Possible US$250k to US$500k investment | To 25 Jul 2026 | Early-stage, two+ co-founders | Calendar |
| Africa's Business Heroes | US$1.5m pool (reported) | Annual; date unconfirmed | Registered African businesses | Calendar |
| Relief | Benefit | Our page |
|---|---|---|
| Small company | 0% company income tax; no development levy | Tax incentives |
| Agricultural companies | Exempt for first five years | Tax incentives |
| Exporters | VAT zero-rating; free zone exemption over 75% exports | Tax incentives |
| Startup investors | Gains exempt after 24 months | Startup Act |
| Economic Development Tax Incentive | 5% a year credit on capital spending from ₦250m | EDTI |
Start with the application checklist, then the detail pages for BOI, DBN and women's funding, and the grants and accelerators calendar. Every other programme in the tables has its own page in this set. Before borrowing, read cash flow for small businesses.
| If you are | Start with |
|---|---|
| A nano trader with no staff | SMEDAN grant; NIRSAL Amazon if a women's group |
| A registered MSME needing up to ₦5m | FGN/BOI MSME loan; LSETF if in Lagos |
| A woman-led business needing ₦1m to ₦50m | BOI GLOW; AfDB line via a DBN partner |
| A manufacturer or processor | BOI sector funds; FGN/BOI manufacturing window |
| A tech or creative firm with revenue | BOI-iDICE Debt Fund |
| An early-stage founder | TEF and accelerators |
| An established SME with bank history | DBN-funded loan from your bank |
A May 2026 comparison put commercial bank SME loans at 20% to 35% or more a year, against 9% to 13% for DBN-backed and 9% to 15% for BOI loans. None of those ranges was sourced to the lenders. The rates quoted in this directory that come from the lender or programme itself are BOI's 10% to 13% and iDICE's 10% maximum; the 9% FGN/BOI rate is from reports quoting BOI officials.
Pryme is not a lender to SMEs and does not arrange these loans. A Pryme Business Account helps with the records these programmes ask for, including verifiable statements generated through Pryme's VerifyDoc.ai partnership.
Each row is drawn from the sources on its own page in this set, dated between October 2024 and October 2026: BOI and partner reports, DBN's offerings page and June 2026 figures, the AfDB release of 8 May 2026, TEF's release of 1 January 2026, Google's programme page, EY and Forvis Mazars tax notes, and 2026 guides for LSETF and NIRSAL MFB. 'Reported' marks figures from secondary sources. We will update the table as windows open and close.
Federal options include BOI, DBN through partner banks, the FGN/BOI MSME loan, BOI GLOW for women, iDICE for tech and creative firms and NIRSAL MFB; Lagos businesses can also use LSETF.
Among those we found, BOI's GLOW for women-led businesses is reported at 7%, and the FGN/BOI MSME loan at 9%.
Yes: SMEDAN's ₦50,000 Conditional Grant and TEF's US$5,000 seed capital, plus competitions such as Africa's Business Heroes.
Use only .gov.ng, boi.ng or the organiser's own site, and never pay a fee to receive a grant.
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.
A copyable checklist of the documents BOI, DBN partner lenders, LSETF and NIRSAL MFB ask for, with a cover letter template and a pre-submission check.
The ₦50,000 Conditional Grant Scheme for nano businesses: eligibility, the condition to employ someone, the official SMEDAN page and how to spot fakes.
The 2026 TEF Entrepreneurship Programme in one place: the 1 January to 1 March window, the $5,000 seed capital, who could apply and the selection stages.
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