Andray Finance, for Your Business
If you’re looking for a lending relationship that feels more like a trusted financial partnership, you’ve found it at Andray Finance. Our loan specialists take the time to understand your unique needs, financial goals, and vision—then craft a flexible, customized financing solution to help you succeed.
Whether you’re expanding operations, managing cash flow, or investing in new opportunities, we provide the support and expertise to make it happen. Let’s grow together.
Why Businesses Choose Andray Finance
Privately Owned
Our sole focus is doing what’s best for our customers, not what’s best for the next earnings report.
Financial Strength
Our strength and size give us significant lending capacity, resources and a full suite of financial services.
Community Giving
Our Pay It Forward program puts dollars into the hands of our employees each year to give to those in need.
Unequaled Service
Happy, engaged teams make it easy for you to do business with us.
Business Solutions
Andray mSME Loan
This loan plan helps Micro, Small, and Medium Enterprises access funding for growth, including expanding operations, buying equipment, and managing cash flow.
Retail Term Loan
Short-term, Immediate-term or Long-term Loans are a structured form of borrowing intended to finance specific transactions or assets.
Commercial Loan
Tailored for medium-sized businesses looking to finance expansion, fixed capital acquisition, contract financing, or funding for inventories and pending receivables.
Institutional Loan
We provide financial solutions for registered private pre-primary, primary, secondary, and A-level schools with the Corporate Affairs Commission (CAC).
LPO / Trade Finance
Our LPO Financing provides essential capital to facilitate upfront payments to suppliers, thereby ensuring a seamless and efficient supply chain process.
Micro Loan
One of the most significant catalyst for the quick growth of a business is having access to credit for the financing of working capital and other operational requirements.
In Business Together: Bell Bank + The Michelle Young Foundation
As a teacher, Michelle Young noticed a gap between privileged and underprivileged students in her classroom. To address that disparity, she created the Michelle Young Foundation to connect students with educational learning and team sports opportunities they might not normally have access to.
Business Insights
Read from Bell’s experts and leaders on the latest industry trends that matter for you and your business. You can find more articles on our Business Insights page.
Insights
Economic Outlook
Read our latest Economic Outlook from Greg Sweeney, Bell Bank’s chief investment officer.
Insights
Bell Wealth Q2 2025
Read our latest issue of the Bell Wealth quarterly newsletter.
News
Leadership Changes for BIIM
Bell Institutional Investment Management (BIIM) is expanding its strategic leadership.
Products and Services
Business Debit Card
Choose the card that’s right for your business, whether you’re looking for rewards points or other benefits.
CapitalMetriQ Swift Bank is the creditor, issuer, and servicer for Andray Finance debit cards.
mSME Dashboard
Simplify loan management and view your business accounts on our online services with fast access to your information and solutions.
We're Here to Help
We take pride in providing quality customer service, and that’s why we’re here seven days a week for you. You can contact us today with any questions, comments, or concerns and we’ll get back to you as soon as possible.
