“CJO International has been a game-changer for our business. Before, we struggled with cash flow because buyers often took 60–90 days to pay. With the invoice discounting platform, we now get funds in days, not months. It has allowed us to take on bigger contracts without worrying about working capital.”

— Chinedu O., CEO of a Manufacturing SME in Lagos

“The platform has streamlined our supplier relationship management. By confirming invoices digitally, we help our partners access finance quickly and build stronger trust across our supply chain. It’s transparent, secure, and aligns perfectly with our commitment to supplier growth.”

— Ngozi A., Procurement Manager, FMCG Company
                                                           

“Partnering with CJO International has opened up a new, well-structured SME lending channel for us. With validated invoices, we can extend credit with reduced risk while supporting Nigeria’s entrepreneurial ecosystem. It’s a win-win for both the bank and the SMEs.”

— Tunde B., Head of SME Banking, Commercial Bank
                                                            

“What I love about CJO International is not just the financing, but the financial advisory and training they provide. We learned how to manage receivables better, improve our credit discipline, and grow sustainably. It feels like more than just a platform — it’s a partner in our journey.”

— Amaka E., Owner of a Logistics Business

“Accessing finance used to mean going through endless paperwork at the bank, with no guarantee of approval. With CJO International, I just upload my confirmed invoice and get liquidity within days. It has freed me from relying on expensive informal loans.”

— Ibrahim A., Managing Director, Agro-processing Firm

“CJO International helps us strengthen supplier loyalty. By validating invoices on the platform, we’re indirectly helping our SME partners grow sustainably.”

— Henry U., Supply Chain Director, Oil & Gas Services

“CJO International provides a structured, digital-first way to support SMEs. Unlike traditional loan processes, this model is faster, cleaner, and based on real trade transactions.”

— Grace O., Investment Officer, Development Finance Institution

“We partnered with CJO International for training sessions, and our SMEs are better prepared to manage credit and receivables. It’s more than finance; it’s about capacity-building.”

— Samuel E., SME Hub Coordinator