Top 5 Nigerian Startups to Watch in 2026

Nigeria remains one of Africa’s strongest entrepreneurship hubs in startups because the market is large, demand is real, and investors still back teams that can execute.

Funding has slowed from peak years, yet startups that show clear growth, strong operations, and solid unit economics are still attracting attention.

Here are five startups gaining momentum in 2026 because they are solving everyday problems at scale and expanding beyond one product or one city.

Chowdeck
Chowdeck is growing fast in delivery. It started with food, built a strong rider network, and is now pushing into quicker delivery for more product categories. Its direction is clear: move from simple delivery to a broader commerce and logistics platform that can serve both customers and merchants.

Spiro
Spiro is building electric mobility through electric motorbikes and battery swap stations. The model targets riders and delivery operators who want lower running costs and more predictable operations. The big test in 2026 is execution: expanding swap stations, keeping uptime high, and making financing accessible for operators.

Bamboo
Bamboo is a digital investing platform that helps Nigerians access global assets and local stocks in one place. Its advantage is simplicity for retail investors. Its priority in 2026 is trust and compliance, plus improving investor education so users understand risk and make better decisions.

Moove
Moove is a mobility fintech that finances vehicles for ride hailing drivers using earnings data and alternative credit scoring. Drivers repay from weekly revenue, which makes financing possible for people who do not qualify for traditional loans. Moove’s growth depends on strong risk control, vehicle supply, and reliable platform partnerships.

Moniepoint
Moniepoint has become a major player in payments and business banking for merchants and small businesses. It runs through agent networks and merchant tools that help businesses collect payments, manage cash flow, and run daily operations. In 2026, the focus is scale with tighter regulation: stronger customer protection, better dispute handling, and deeper services for SMEs.