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Thousands of Nigerians who want to startup catfish farming cannot do so due to shortage or lack of capital. As a matter of fact, people with genuine interest in this business are frustrated because of high rate of inflation that reduces the value of their capital season in season out.

Bank loans are not easily accessible for this form of business because of the poor level of monthly turnover unlike other businesses/trades. Also, many young Nigerians who want to be engaged in catfish farming may not be able to secure commercial bank loan due to stringent conditions attached to them. The issue of collateral security, most especially certificate of occupancy, attached to securing commercial bank loan has not helped the situation.