Stop Paying Agents: How to Register Your Business Name on CAC Yourself for Less Than ₦22,000
Do the maths.
₦35,000 charged by agent.
₦21,362 collected by the government.
₦13,638 pocketed by the agent — for 30 minutes of clicking.
That is not a service fee. That is an information gap — and you just paid for it.
THE TRUTH ABOUT CAC REGISTRATION IN 2026:
The Corporate Affairs Commission has a fully functional online portal at icrp.cac.gov.ng. Any Nigerian with a smartphone can access it, create an account, fill a form, pay the government directly, and download their official certificate — all without leaving their house.
Agents did not build this portal. They did not create the process. They simply learned it before you did — and charged you a premium to keep that advantage.
This guide removes that advantage permanently.
THE REAL 2026 CAC FEE BREAKDOWN:
Before you pay anyone anything, here is exactly what the government charges:
ItemOfficial FeeName Reservation (statutory fee)₦1,000AI Service Charge on Reservation₦200Business Name Filing Fee₦20,000Remita Gateway Charge₦162Total Official Government Fee₦21,362Certificate DownloadFREEStatus Report DownloadFREE
Everything above ₦21,362 that an agent charges goes directly into their pocket. Not into your business.
WHAT THIS GUIDE GIVES YOU:
📌 The Real 2026 CAC Fee Breakdown
See exactly what the government charges — ₦21,362 total, broken down to the last kobo. No hidden fees. No surprise charges. You will know exactly what to expect before you click a single button. Save up to ₦13,638 compared to what agents typically charge.
📌 The Name Rejection Checklist
CAC rejects business names containing certain words instantly — words like "Federal", "National", "Group", "International", "Bank" and 7 others. Most people find out after they have already paid the ₦1,200 reservation fee. This checklist shows you every restricted word category so your name sails through on the first attempt. Never waste ₦1,200 on a rejected name again.
📌 The Click-by-Click Portal Walkthrough
Every single step on the official CAC portal at icrp.cac.gov.ng — explained in plain language with numbered steps. Account creation. Name reservation. Form filling. ID upload. Payment. Submission. Nothing is assumed. If you can use WhatsApp you can follow this guide. Takes just 30 minutes on your phone.
📌 How to Upload Your NIN or Passport Correctly
One of the most common reasons CAC rejects applications is an incorrectly uploaded ID. This guide shows you the exact file format, exact size requirement and exactly what the portal expects — so your application goes through the first time without rejection.
📌 Free Certificate and Status Report Download
After your registration is approved, agents charge ₦5,000 to ₦10,000 to send you your certificate. The truth? Your certificate has been sitting in your CAC portal dashboard for free the entire time. This guide shows you where to find it and how to download it in under 60 seconds — at zero extra cost.
📌 The Bank Account Opening Checklist
The exact documents your bank needs to open a business account after CAC registration. Walk in prepared. Walk out with an account the same day.
📌 7 Common Mistakes That Delay or Kill Applications
The errors that send people back to square one — losing their ₦1,200 reservation fee and starting over. Every mistake is listed. Every fix is explained. You will not make a single one of them.
📌 BONUS: How to Register for Completely FREE via SMEDAN
The Federal Government through SMEDAN has made 250,000 free CAC registration slots available for Nigerian small businesses. If you qualify, you pay the government absolutely nothing — not even the ₦21,362. This guide shows you exactly how to apply at portal.smedan.gov.ng before slots run out. Check this section first before paying anything.
WHY THIS GUIDE IS DIFFERENT FROM FREE CONTENT ONLINE:
Every free CAC guide on Google, YouTube and WhatsApp groups is outdated. They still reference the old portal (pre.cac.gov.ng) which no longer works. They quote old fees that do not reflect the October 2025 fee increase or the April 2026 AI Service Charge. They do not mention the SMEDAN free registration programme.
This guide is fully updated for September 2026 — covering the current portal at icrp.cac.gov.ng, the current fee of ₦21,362, and the current SMEDAN free registration programme. What you read in this guide is exactly what you meet when you log in. No surprises. No outdated steps. No confusion.
THIS GUIDE IS FOR YOU IF:
→ You are an online seller who needs a registered business name to look credible to your customers
→ You are a market trader or small business owner ready to go official
→ You want to open a business bank account but need a CAC certificate first
→ You were quoted ₦30,000 or more by an agent and something felt wrong about it
→ You tried the CAC portal before and got confused — this guide solves every point of confusion
→ You want to know if you qualify for the free SMEDAN registration before paying anything
→ You believe your money belongs in your business — not in an agent's pocket
THIS GUIDE IS NOT FOR YOU IF:
→ You are registering a Limited Liability Company (RC Number) — this guide covers Business Name registration only
→ You want someone to do the registration for you — this guide teaches you to do it yourself
STILL THINKING ABOUT IT?
Ask yourself this:
If an agent quoted you ₦35,000 today and you paid it — how would you feel tomorrow when you found out the official government fee was ₦21,362?
That feeling is exactly why this guide exists.
₦3,500. One time payment. Instant download. No regrets. 👇
A WORD FROM OMOYEME .O:
"I created this guide because I watched too many Nigerian entrepreneurs — smart, hardworking people — hand over money they could not afford to lose to agents for a process that takes 30 minutes online. The information was always available. It was just never packaged in a way that made it easy to follow. This guide fixes that. Your money belongs in your business. Keep it there."
WHAT YOU RECEIVE:
One professionally formatted PDF guide. Downloadable instantly after payment. Works on any phone, tablet or laptop. Can also be printed. Fully updated for the current 2026 CAC portal and fee schedule including the October 2025 filing fee increase and the April 2026 AI Service Charge.
WHAT HAPPENS AFTER YOU PAY:
- Selar sends your PDF to your email instantly after payment
- Check your inbox — if you do not see it in 5 minutes check your spam or promotions folder
- Open the guide — start with the SMEDAN bonus section to find out if you qualify for free registration
- Then follow Sections 1 through 4 step by step
- By the time you finish you will be registered — or know exactly how to register for free
🔒 100% Secure Checkout via Selar. Your PDF arrives instantly. No waiting. No agents.