First City Monument Bank (FCMB) Nigeria is one of Nigerias most active commercial banks for SME lending, offering a comprehensive suite of SME-focused products: SME Development Finance, SME Asset Finance, SME Working Capital, Quick Loan, IDF (Invoice Discounting Finance), and LPO (Local Purchase Order) Finance. FCMB joined Open Banking Nigeria as early as 2020 and is positioned as one of the early implementing banks for the Nigerian open banking framework that went live in August 2025.