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Shop Your Materials
Browse thousands of building materials on BuildAfrica.store: cement, steel, timber, roofing and more.
Build Africa Credit Scheme - BACS
Get Building MaterialsNow, Pay Later
BACS gives you fast, flexible access to credit for building materials across Nigeria, 5% interest, no collateral, fully digital. Approved in as little as 24 hours.
5%
Competitive interest rate
No hidden fees
24 hrs
Loan decision time
100% online process
50-80%
Purchase financing
Of total material cost
30-45
Days repayment
Flexible schedules
Simple process
How BACS Works
Three steps from cart to construction. No branch visits, no paper forms, no waiting weeks.
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Choose Pay with BACS
At checkout, select "Pay with BACS". Fill out the short digital loan application; it takes under 5 minutes.
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Get Approved & Build
Receive a decision within 24 hours. Once approved, your materials are dispatched and your project starts building.
Why choose Build Africa Credit
Built for builders
like you.
24-Hour Loan Approval
Apply online and receive a decision from BACS within 24 hours. No delays, no mystery.
Low 5% Interest Rate
Competitive 5% interest rate with no hidden fees. What you see is what you repay.
No Collateral Required
Financing based on your purchase, not your assets. Fair access for every builder.
Flexible Repayment
Repay over 30-45 days on a schedule that works for your project timeline.
100% Digital
No paperwork, branch visits, or queues. Apply from anywhere in Nigeria.
Trusted Partnership
Built by Build Africa and BACS, leaders in construction supply and credit solutions.
Eligibility
Who Can Apply?
Individuals & Contractors
Building or renovating your home? BACS gives you flexible credit to buy the materials you need today.
Developers & Businesses
Scale your construction projects without tying up capital. Finance materials for multiple sites at once.
Nigerian Diaspora
Funding a construction project back home? Apply remotely and manage everything from abroad.
RequirementsValid IDBank statement
What builders say
Real people
Real projects
"BACS made it possible to take on two projects at once. I got approved in less than a day and had my materials on site within 48 hours."
Emeka Okafor
Building Contractor, Lagos
"No collateral, 5% interest, and a fully digital process. I was skeptical at first but the approval was straightforward and the team was responsive throughout."
Ngozi Adeyemi
Property Developer, Abuja
"Managing my building project from the UK used to be a nightmare. With BACS I can finance materials remotely and keep things moving."
Chukwuemeka Eze
Diaspora Builder, UK to Enugu
FAQ