CJO International is a registered Nigerian enterprise committed to providing low-cost, innovative financial services tailored to the needs of small and medium-sized enterprises (SMEs). Recognizing the chronic liquidity challenges that hinder SME growth in Nigeria, the company leverages technology, partnerships, and market expertise to deliver inclusive financial solutions.

At the heart of its operations is an electronic invoice discounting service (e-invoice discount). This service allows SMEs to access early payment on their receivables by discounting validated invoices from corporate clients through partner banks. By offering quick and affordable liquidity, CJO International reduces working-capital stress, strengthens supply chains, and unlocks new business growth opportunities for SMEs across sectors.

Core Values

CJO International is guided by values that shape its vision, strategy, and everyday operations:

  • Integrity: Building trust through transparency, fairness, and accountability in all dealings.

  • Innovation: Driving financial solutions through the use of technology, creative problem-solving, and collaboration.

  • Inclusivity: Expanding financial access for underserved SMEs, particularly those excluded from traditional banking systems.

  • Sustainability: Designing services and partnerships that support long-term business resilience and economic stability.

  • Partnership: Collaborating with banks, corporates, government institutions, and communities to achieve shared development goals.

These values ensure that CJO International’s mission goes beyond finance—it is about empowering businesses, strengthening communities, and driving national economic growth.

Leadership

CJO International is led by CEO Jude C. Onwujialiri, alongside a dynamic team of finance, technology, and development professionals with deep expertise in:

  • SME support and capacity-building

  • Financial management and credit structuring

  • Digital innovation and fintech solutions

  • Supply-chain management and vendor integration

  • Public–private partnerships for enterprise development

This leadership team brings a wealth of cross-sector experience spanning banking, fintech, corporate supply chains, and policy advocacy. Together, they drive the company’s mission of inclusive growth and sustainable impact across Nigeria’s SME ecosystem.

Our Mission

To empower SMEs with access to affordable finance and knowledge, enabling them to thrive, compete, and contribute meaningfully to Nigeria’s economy.

Our Vision

To be a leading catalyst for SME growth in Africa, creating a future where every business—no matter its size—can access the finance and support it needs to succeed.

✨ In essence, CJO International stands at the intersection of finance, technology, and development, building pathways for SMEs to grow, scale, and sustain their impact in Nigeria and beyond.