If you are starting a business in Nigeria, one of the first things you may want to do is register your business name with the Corporate Affairs Commission, commonly called CAC. The good news is that you do not necessarily need a lawyer, accountant or business registration agent to do this. CAC now allows individuals and proprietors to complete Business Name registration online through its Company Registration Portal.
In this guide, I will show you how to register a business name with CAC in Nigeria in 2026, including the requirements, cost, name reservation process, documents you need, how to make payment, how to check your application status and what to do after your registration is approved. The process is now largely digital, so you can complete it from your phone or computer without visiting a CAC office.
What Is CAC Business Name Registration?
CAC Business Name registration is the process of officially registering the name under which you operate a business in Nigeria. It is commonly used by sole proprietors and partnerships that want to formalise their businesses without incorporating a limited liability company.
For example, if you run a fashion business under the name “Victor Fashion Hub” or operate a catering business called “Taste House”, you can register that business name with CAC. The registration creates an official record of the business and makes it easier for customers, banks, companies and other organisations to verify that the business exists.
It is important to understand that a registered Business Name is not the same thing as a Limited Liability Company. If you want to incorporate a company with shareholders and directors, you need to follow the company incorporation process instead. For many small businesses, however, Business Name registration can be a simple way to formalise their operations.
Why Should You Register Your Business Name With CAC?
Registering your business gives you formal recognition and makes your business easier to verify. This can be useful when dealing with customers, suppliers, companies, banks and other organisations that want to know whether your business is properly registered.
A CAC registration certificate can also be useful when opening a business bank account, signing certain contracts and applying for some business opportunities. CAC itself states that registration can help businesses access corporate banking, official contracts and government or financial services.
However, CAC registration does not automatically give you every licence or approval your business may need. Depending on what you do, you may still need additional permits, tax registrations or sector-specific approvals.
Can I Register A Business Name With CAC Without A Lawyer?
Yes. You can register a Business Name yourself.
CAC specifically states that individuals and proprietors can register Business Names without the services of a legal practitioner, chartered accountant or chartered secretary. The entire registration process is available online through the CAC Company Registration Portal.
This means you can save the professional fee you would have paid an agent if you are comfortable filling out online forms and following instructions. You can still use an accredited agent if you do not have the time or prefer to have someone handle the process for you.
What Do You Need To Register A Business Name With CAC?
Before you start, prepare everything you will need. Having your information and documents ready can make the registration much easier.
You will need your full legal name, date of birth, nationality, phone number, email address, occupation and address. You will also need your NIN or another acceptable means of identification and information about the business you want to register.
You should also prepare a clear passport photograph and your signature in an acceptable image format. CAC’s current system allows documents such as the means of identification, passport photograph and signature to be uploaded directly during the registration process.
You should also have at least one proposed business name ready. It is better to have alternative names available because your first choice may already be taken or may not be accepted.
Finally, have a payment method ready. CAC’s portal supports electronic payment, including available card and internet banking options, while the CAC FAQ also explains that applicants without a card or internet banking can generate a payment bill and make payment through a bank.
CAC Business Name Registration Requirements
Here is what you should have before starting your application:
- A valid means of identification
- NIN or relevant identity number
- Recent passport photograph
- Scanned signature
- Full legal name
- Date of birth
- Nationality
- Phone number
- Active email address
- Residential or business address
- Proposed business name
- Nature of the business
- Date of commencement of business
- Payment method
Make sure the information you provide is accurate. In particular, your name, date of birth and identification details should match your official documents.
Your uploaded documents should also be clear. Poor-quality images, incorrect documents or information that does not match your application can cause problems during the registration process.
How Much Does It Cost To Register A Business Name With CAC In Nigeria In 2026?
The cost of registering a Business Name can change when CAC updates its fees or introduces new charges. For this reason, you should always check the amount displayed on the official CAC portal before making payment.
The CAC FAQ currently lists N500 for a name availability request. The actual Business Name registration fee is separate from the name reservation fee, and other payment or service charges may also apply.
Because government fees can change, it is safer not to rely on an old blog post that gives one fixed total. Instead, start your application on the official portal and check the amount shown before you pay. This will give you the current amount applicable to your application.
If you use an agent, your total cost will be higher because you will also pay the agent’s service fee. If you register yourself, you avoid that additional professional charge.
What Is The Official CAC Registration Portal?
The official CAC Company Registration Portal is the online platform used for registration and other CAC services.
You can access the current portal here:
CAC Company Registration Portal
CAC describes the iCRP as its official Company Registration Portal. The portal allows members of the public to create accounts and access pre-incorporation services, including Business Name registration.
Be careful when paying people who claim they can register your business for you. If you decide to register yourself, use the official CAC portal and keep your payment records.
How To Register A Business Name With CAC In Nigeria
Now let us go through the actual registration process.
Step 1: Create A CAC Account
The first thing you need to do is create an account on the CAC iCRP.
Go to the official CAC registration portal and select the option to create a new account. You will be asked to provide personal information such as your surname, first name, date of birth, nationality, phone number, email address, occupation and means of identification. CAC’s current public-user registration page confirms that members of the public can create an account and that they will act as the proprietor or partner during registration.
Create your username and password and complete the verification process. When you log in for the first time, CAC may also require you to enable two-factor authentication and verify your account through a code sent to your email.
Use an email address and phone number that you actively use. You will need them for notifications and access to your CAC account.
Step 2: Search For Your Business Name
After creating your account, log into your dashboard and select Name Reservation.
You will need to select the appropriate Business Classification and Business Type. For a normal small business, this will generally involve selecting Business Name and then the relevant business type, such as Sole Proprietorship or Partnership.
Enter your proposed business name and select the relevant nature and specific nature of the business. Then click Check Availability. CAC’s current system can also provide AI-generated name suggestions when the name you entered is unavailable.
This is why you should not depend on only one business name. Prepare two or more good alternatives before starting the process.
Step 3: Reserve Your Business Name
If the name is available, you can proceed to payment for the name reservation.
Once the payment is successful, CAC’s new iCRP automatically approves the name reservation and provides an AV Code, also known as the Name Availability Code. The AV Code is important because you will use it to begin the actual Business Name registration.
Keep your AV Code somewhere safe. You should also save your payment receipt or transaction details in case you need them later.
If the name is unavailable, do not panic. Simply change the proposed name and search again. You can also use the name suggestion feature available on the portal.
Step 4: Start Your Business Name Registration
Once your name has been reserved and you have received your AV Code, return to your CAC dashboard.
Click Registration and then select Register New Business. The portal will ask you to enter the AV Code you received during the name reservation process.
Enter the code and continue. You will then be taken through the Business Name registration form.
Step 5: Enter Your Business Details
You will now provide information about the business itself.
This includes your business email address, business address and date of commencement. You will also provide information about the nature of the business and its activities.
Take your time when completing this section. Do not choose a business activity that does not describe what your business actually does. If your business provides fashion design services, for example, your description should clearly reflect the nature of that business.
Your business address should also be accurate and traceable. For many small businesses, the owner’s residential address may be used where appropriate, but the address you provide should be a real address where the business can be properly identified.
Step 6: Enter The Proprietor’s Details
Next, you will provide the details of the proprietor.
For a sole proprietorship, this will normally be the individual who owns the business. If you are registering a partnership, the relevant partners will need to be included.
Enter names and other personal information exactly as they appear on the person’s identification documents. Pay particular attention to spelling, date of birth and identification details.
A small spelling difference may create unnecessary problems. It is better to compare the information on your CAC application with your identification document before moving to the next step.
Step 7: Upload Your Documents
CAC’s new system allows you to upload the required proprietor documents directly during the registration process.
For each proprietor, you will generally upload the following:
- Means of identification
- Passport photograph
- Signature
CAC’s user guide specifically instructs applicants to upload these documents in image format and use the Add Proprietor Document option to save them.
Make sure your documents are clear before uploading them. A blurry identification document or unclear photograph can create problems with your application.
It is a good idea to prepare your documents before opening the registration form. This saves time and reduces the chance of leaving the application incomplete.
Step 8: Preview Your Application
Before making the final payment, the portal will give you an opportunity to review your application.
Do not rush through this page.
Check the spelling of your business name, your personal information, NIN, date of birth, address, email address, phone number, business activities and uploaded documents.
This is one of the most important parts of the entire process. If you discover an error before submission, it is much easier to correct it than to deal with a query after submission.
Step 9: Pay The CAC Registration Fee
After reviewing your application, proceed to payment.
CAC uses an integrated payment system, with Remita available for payments on the registration portal. Depending on the payment options available to you, you may be able to pay using a card, internet banking or another supported option. CAC also states that applicants can generate a bill and pay at a bank if they do not have a card or internet banking.
After payment, save your receipt and any payment reference. Do not close your browser immediately after making payment if the portal is still processing the transaction.
Step 10: Submit Your Application
Once payment has been completed, submit your registration application.
The application will then appear on your CAC dashboard where you can monitor its progress. The current iCRP system uses AI processing for Business Name registrations, which means many straightforward applications can be processed very quickly.
However, do not assume that every application will be approved instantly. If there is an issue with your information or documents, the application may be queried.
How Long Does CAC Business Name Registration Take?
CAC currently lists a service timeline of 24 working hours for new Business Name registrations once all relevant documents have been received or any queries have been complied with. Its revised service timeline also lists 48 working hours for post-registration Business Name applications.
The new iCRP FAQ also states that Business Name registrations are AI-approved and processed instantly. In practice, the time you experience can depend on the application, payment, document quality and whether CAC raises a query.
So, while the new system can be very fast, it is better not to plan around a promise of instant approval. Submit correct information and documents, then monitor your dashboard and email for updates.
How To Check Your CAC Registration Status
You can check the status of your Business Name application directly from your CAC dashboard.
If the status says Pending, the application is still being reviewed. CAC advises users to wait for a short period and refresh the dashboard.
If the status says Queried, there is an issue that needs your attention. Open the action menu, select View Query History to see the problem, then select Modify Application to correct the information and resubmit the application.
If the application is Approved, you can proceed to download your registration documents from the dashboard.
What Happens After CAC Approves Your Business Name?
Once your Business Name has been approved, CAC provides electronic registration documents through the portal.
The new CAC system uses an electronic certificate instead of requiring you to collect a physical certificate from a CAC office. CAC states that once registration is completed and approved, the electronic certificate is automatically generated on the user’s dashboard and can be downloaded.
You can also obtain an electronic status report. CAC says the E-Status Report replaces the former CAC forms that were issued upon registration, including the previous Business Name registration form.
Download these documents and keep several copies. You may need them when dealing with banks, customers, companies, government agencies or other organisations.
Do You Get A TIN After CAC Registration?
Tax identification is an important part of formalising a business, but you should not assume that CAC registration means you have completed every tax obligation.
Information and systems connecting business registration with tax administration have changed over time. After registration, confirm your tax identification details and understand the tax obligations that apply to your particular business.
If your business has employees, operates in a regulated sector or reaches certain thresholds, additional tax and regulatory requirements may apply.
What Should You Do After Registering Your Business Name?
CAC registration is only the beginning of running a formal business.
One of the first things you can consider is opening a business bank account. Your CAC certificate and other registration documents may be required by the bank during the account opening process.
You should also keep your CAC account details safe. Your CAC account can be useful for future filings and other services, so losing access to your email or account can become inconvenient.
You should also pay attention to annual returns. CAC currently states that annual returns filing is available for Business Names registered before July 2025, while the Commission is upgrading the Business Name system with new AI features for a new AI-powered annual returns process.
Finally, check whether your industry requires additional licences or registrations. A restaurant, school, financial business, healthcare business or other regulated operation may have requirements beyond CAC registration.
Common Mistakes To Avoid When Registering A Business Name With CAC
One common mistake is choosing a business name without checking whether someone else is already using it. Always search the name before paying for registration and have alternative names ready.
Another mistake is entering information that does not match your identification document. Your name, date of birth and identification details should be checked carefully before you submit the application.
Poor-quality documents can also create problems. Make sure your passport photograph, identification document and signature are clear enough to be read and processed.
Do not ignore a CAC query either. If your application is queried, open the Query History, understand what CAC wants you to correct and resubmit the application after making the necessary changes.
You should also avoid paying unofficial websites simply because they claim to offer CAC registration. If you are doing the registration yourself, start from the official CAC portal and make your payment through the official system.
CAC Business Name Registration: DIY Or Use An Agent?
For a straightforward Business Name registration, doing it yourself can save you money. CAC has made the process accessible to members of the public and specifically confirms that individuals and proprietors do not need to use a lawyer, accountant or chartered secretary for Business Name registration.
The main advantage of using an accredited agent is convenience. An agent can handle the application for you if you are unfamiliar with the process or simply do not have the time to complete it yourself.
If you decide to use an agent, make sure the person or organisation is genuinely accredited. CAC defines accredited agents as people or organisations certified by the Commission to process and submit pre-incorporation and post-incorporation filings on behalf of individuals and businesses.
Is CAC Business Name Registration Free In Nigeria?
Normal CAC Business Name registration is not something you should assume is free. There are fees associated with name reservation and registration, and the exact amounts can change.
From time to time, government-backed programmes may provide free or subsidised registration for eligible small businesses. These programmes can have specific eligibility requirements and limited spaces.
If you see an advertisement claiming that CAC registration is free, verify the offer through CAC or the relevant government agency before giving anyone your personal information or money.
Frequently Asked Questions
How much does it cost to register a business name with CAC in 2026?
The exact amount can change, so check the current amount displayed on the CAC portal before payment. CAC’s current FAQ lists N500 for a name availability request, while the actual registration fee is separate.
Can I register a business name myself?
Yes. CAC allows individuals and proprietors to register Business Names without using a lawyer, accountant or chartered secretary.
How long does CAC Business Name registration take?
The new iCRP uses AI processing for Business Name registrations, and CAC says they are processed instantly. CAC’s revised service timeline also lists 24 working hours for new Business Name registrations once all relevant documents have been received or queries have been resolved.
What documents do I need to register a Business Name?
You generally need a valid means of identification, passport photograph and signature for each proprietor. These documents are uploaded as images during the registration process.
Can I use my home address for CAC registration?
The business address must be properly provided during registration. For many small businesses operated from home, the owner’s residential address may also serve as the business address where appropriate, provided the information is accurate and traceable.
What is an AV Code?
An AV Code is the Name Availability Code issued after successful name reservation. You use the code to begin the actual Business Name registration on the CAC portal.
What happens if CAC queries my application?
You should open the Query History on your dashboard to see what needs to be corrected. Modify the application, fix the issue and resubmit it.
Do I need a lawyer to register a Business Name?
No. CAC specifically states that individuals and proprietors can register Business Names without the services of a legal practitioner, chartered accountant or chartered secretary.
Can a student register a Business Name in Nigeria?
A person can create a public-user CAC account and act as a proprietor or partner during registration, provided the person meets the requirements of the registration process. CAC’s portal allows members of the public to create accounts for pre-incorporation services.
Do I get an electronic certificate after registration?
Yes. CAC’s current system automatically generates an electronic certificate after an entity has been successfully registered and approved. The certificate can be downloaded from the dashboard.
Can I register a Business Name from outside Nigeria?
CAC’s FAQ states that its online services can be accessed from anywhere in the world, although some payment options may require Nigerian banking channels.
Final Checklist Before You Register Your Business Name
Before opening the CAC portal, make sure you have your identification document, passport photograph and signature ready. You should also have your personal details, business address, proposed business names, nature of business, date of commencement and payment method available.
Once you start, create your CAC account, reserve your business name, save your AV Code, complete the Business Name registration form, upload your documents, review everything carefully, make payment and submit your application.
Most importantly, do not rush the application. A few extra minutes spent checking your name, personal details, address and documents can save you the trouble of dealing with a query later.
Conclusion
Registering a business name with CAC in Nigeria is much easier than it used to be. The process is now available online, and CAC has confirmed that individuals and proprietors can complete Business Name registration themselves without hiring a lawyer or other professional.
The most important thing is to prepare before you start. Have your identification, passport photograph, signature, business information and proposed names ready, then use the official CAC portal to complete the process.
If you follow the steps carefully and provide accurate information, you can register your Business Name yourself and receive your electronic CAC registration documents without paying an unnecessary agent fee.