How to Register a Business Name with CAC in 2025

Starting a business in Nigeria is exciting, but here’s the truth: most entrepreneurs fail before they even begin. Why? Because they operate without legal recognition. Imagine spending years building your brand, only to lose it because someone else registered the name before you. Painful, right?

That’s why understanding how to register a business name with CAC is one of the smartest steps any Nigerian entrepreneur can take. The Corporate Affairs Commission (CAC) is the official body in charge of business registration in Nigeria. If you want your hustle to be taken seriously — by banks, investors, customers, or even government agencies — your business name must be recognized by CAC.

In this ultimate guide, you’ll learn everything: why you need CAC registration, step-by-step instructions, costs, mistakes to avoid, and the benefits that come with being officially recognized.

What is CAC and Why Does It Matter?

The Corporate Affairs Commission (CAC) was established under the Companies and Allied Matters Act (CAMA) to regulate the formation and management of companies in Nigeria.

Think of CAC as the “birth certificate office” for businesses. Without CAC registration, your business technically does not exist in the eyes of the law. You may be selling products, making money, and even paying tax, but if your name isn’t registered, another person can legally claim it.

Difference Between Business Name and Company Registration

• Business Name → For small businesses, sole proprietorships, and partnerships. Example: “Jide Electronics.”
• Company (LLC/PLC) → For larger setups that want shareholders, directors, and limited liability protection. Example: “Jide Electronics Limited.”

For startups, side hustlers, and freelancers, registering a business name is usually the first step before upgrading to a company later.

Why Register a Business Name with CAC?

Some entrepreneurs still wonder: “Why should I bother? Customers already know me.” But the benefits of CAC registration are too big to ignore:

1. Legal Protection → Your business name becomes legally yours; no one else can use it.
2. Access to Finance → Banks and fintech lenders require CAC documents before giving loans.
3. Government Contracts → Most government tenders and grants need CAC registration.
4. Investor Trust → Serious investors won’t fund an “unregistered hustle.”
5. Professional Image → Customers trust a registered brand more.

Requirements for Business Name Registration

Before you begin the process, make sure you have:

• A unique business name idea (two options recommended).
• Full name and passport photograph.
• Means of identification (NIN, voter’s card, driver’s license, or international passport).
• Address of the business.
• Valid email address and phone number.
• Payment method (ATM card for online portal).

Step-by-Step Guide on How to Register a Business Name with CAC

Here’s the practical roadmap:

1. Name Reservation

• Visit the CAC Online Portal (pre.cac.gov.ng).
• Search to check if your business name is available.
• Submit two options (e.g., “Glow Skincare” and “Glow Naturals”).
• Pay ₦500 for the name search.
• If approved, your name is reserved for 60 days.

2. Fill Pre-Registration Form

• Log in to CAC portal.
• Fill in details: business name, nature of business, address, proprietors’ info, and ID.

3. Pay the Registration Fee

• Current CAC fee for business name registration: ₦10,000 (for new businesses).
• Payment is made online via Remita.

4. Upload Required Documents

• Passport photograph.
• Means of identification.
• Signature (scanned).

5. Submission and Approval

• Submit application online.
• Wait for CAC to process.
• If approved, download your Business Name Certificate directly from the portal.

Cost of Registering a Business Name in Nigeria (2025 Update)

• Name reservation → ₦500
• Registration filing fee → ₦10,000
• Agent/cybercafe charges (optional) → ₦2,000 – ₦5,000

So, budget between ₦10,500 and ₦15,000 depending on whether you use an agent or do it yourself.

Timeline – How Long Does It Take?

• Name approval → 24–48 hours.
• Business registration → 3–7 working days.
• Certificate download → within 1–2 weeks max.

Fast-tracking with accredited CAC agents can sometimes shorten the timeline.

Common Mistakes People Make During Registration

1. Choosing a prohibited name → Words like “National,” “Government,” or “Bank” need special approval.
2. Incomplete documents → Missing signatures or ID slows down the process.
3. Using only one name option → Always submit two in case one is rejected.
4. Wrong business structure → Registering a business name when you actually need an LLC.

Benefits of Having a CAC-Registered Business Name

Once you’re registered, you can:

• Open a corporate bank account in your business name.
• Apply for loans and grants.
• Sign legal contracts.
• Qualify for government schemes like SMEDAN/BOI.
• Build brand trust online and offline.

CAC Online Portal – How to Use It

The CAC has gone digital — no more long queues. Steps:

1. Create an account at pre.cac.gov.ng.
2. Reserve your name.
3. Complete the application.
4. Upload documents.
5. Pay online and submit.
6. Download your certificate.

CAC Agents vs Self-Registration

• Do It Yourself (DIY) → Cheaper, gives you control, but requires patience.
• CAC Agent → Faster, saves stress, but you pay extra.

For small hustlers, DIY is fine. For busy entrepreneurs, an agent is worth it.

Future of Business Registration in Nigeria

CAC is moving towards:

• 100% digital operations (no paper).
• E-certificates that are instantly downloadable.
• Integration with Tax ID (TIN) and SMEDAN number.
• Faster, more transparent process.

FAQs on How to Register a Business Name with CAC

1. How much does it cost? – ₦10,500 minimum.
2. Can I register from abroad? – Yes, if you have Nigerian ID and address.
3. How long does it take? – 1–2 weeks.
4. Can two businesses have the same name? – No.
5. What if my name is rejected? – Submit another option.
6. Do I need a lawyer? – Not for business names, only for company incorporation.
7. Can students register a business name? – Yes, if you’re 18+.
8. Do I need to renew? – No, but you must file annual returns.
9. Can I upgrade later to Limited? – Yes, you can convert.
10. Does CAC registration replace tax registration? – No, you still need TIN.
11. Can I register a non-profit as a business name? – No, you need Incorporated Trustees.
12. Is physical presence required? – No, fully online.

Final Thoughts

If you’ve been running your hustle without CAC registration, you’re literally leaving your business exposed. The process is simple, affordable, and 100% online. Knowing how to register a business name with CAC gives you credibility, access to finance, and legal protection.

Don’t wait until someone else takes your dream name — start today.