Business Banking
Bank Smarter, Grow Faster with GTMB
From zero-fee, high-interest business banking to instant construction finance, we give developers the tools to grow without the overhead.
From zero-fee, high-interest business banking to instant construction finance, we give developers the tools to grow without the overhead.
Insured by the
Transparent pricing24/7 digital accessLicensed by the CBNInsured by theTransparent pricing24/7 digital accessLicensed by the CBNInsured by theTransparent pricing24/7 digital accessLicensed by the CBNInsured by theTransparent pricing24/7 digital accessThe Wallet Account (MyFlexiWallet™) is the transactional business current account within the GTMB ecosystem — but with enhanced benefits. It is the hub through which all customer transactions are routed: deposits, withdrawals, transfers, payments, loan disbursements and investment payouts.
Unlike conventional current accounts that charge fees and pay no interest, the GTMB Business Account rewards customers with an 8% annual interest rate while offering free, unlimited access to funds at any time.
Zero-fee business accounts with 8% interest. Built for businesses that deserve more from everyday banking.
Deposit, transfer, or withdraw funds 24/7 with no restrictions — optimised for business cash flow.
Unlimited free intra-GTMB transfers and low-cost interbank (NIP/NIBSS) transactions.
8% per annum on your business wallet balance, calculated daily and credited monthly.
Linked directly to savings, deposits, mortgages, and investment products within GTMB.
NDIC-insured deposits, fully compliant with CBN guidelines — your funds are always protected.
Low-fee, interest-bearing everyday banking for busy professionals who deserve more from their current account.
A central transaction account that handles all business inflows and outflows, with zero maintenance charges.
Mid-to-large scale developers and landowners seeking flexible, milestone-based construction finance.
A no-fee, high-interest current account offering convenience and yield.
BUILDA™ is Global Trust Mortgage Bank's dedicated construction finance product tailored for developers seeking flexible capital for project delivery, including joint ventures and phased development. BUILDA™ is structured to de-risk the bank's exposure while supporting efficient capital deployment, milestone funding, and integration into our retail mortgage pipeline.
Milestone-linked capital deployment ensures funds are disbursed as project phases are certified, reducing financial risk.
Developers contribute a minimum 10% equity, ensuring shared commitment and reducing the bank's exposure.
A 10% performance bond, sourced from approved surety providers, protects the bank against project abandonment.
Funds disbursed directly to certified vendors and contractors via invoice validation — preventing diversion.
BUILDA™ supports individual developer and JV structures, enabling larger-scale development projects.
All project accounts and sales proceeds must be domiciled with GTMB, deepening the banking relationship.
GTMB-appointed or approved consultants monitor project milestones, providing independent validation.
Sales proceeds are channelled through GTMB, enabling early loan repayment and pipeline integration.
Collateral is evaluated case-by-case, typically involving the land title, project SPV, or receivables.
This product is targeted at mid-to-large scale developers, cooperatives, and landowners who meet the following criteria:
Flexible financing periods ranging from 6 to 36 months to suit project timelines.
Competitive 2.9% monthly flat rate, risk-adjusted based on project profile.
Capital released in tranches synchronized with certified project milestones.
Required 10% bond sourced from recognized surety providers for project security.
Choice of Bullet or Amortized structures, tailored to your specific sales strategy.
Evaluated case-by-case; typically involves land or the project SPV.
Funds disbursed under BUILDA™ must be used solely for the acquisition of physical materials, including structural components, finishings, and infrastructure. Payment is made directly to vendors, contractors, or consultants, based on invoice and project milestone validation.
To ensure project integrity, the following controls are in place:
All completed units financed under BUILDA™ are granted exposure to GTMB’s pool of mortgage-ready buyers through the HomeNow™ and HomePlan™ platforms. This ensures faster unit absorption, loan repayment, and developer liquidity.
Open a TrustWallet™ business account today and unlock access to BUILDA™ construction finance, investment products, and the full GTMB ecosystem.