Enterprise Solutions

At CJO International, we are committed to building smarter, faster, and more inclusive financial systems that empower small and medium-sized enterprises (SMEs). Through our E-Invoice Discounting Platform, we create a seamless ecosystem where sellers, financiers, and buyers interact with transparency and trust. By bridging gaps in liquidity, we enable businesses to grow without depending on costly informal borrowing.

1. CJO Marketplace

The CJO E-Invoice Discounting Marketplace is designed to give SMEs access to affordable working capital by leveraging their confirmed invoices. Once an SME uploads a verified invoice issued to a partner buyer, financiers can immediately provide liquidity at discounted rates. This ensures businesses have access to the funds they need to keep operations running smoothly, while minimizing financial risks.

Key Benefits:

  • Faster access to working capital.

  • Reduced cost of borrowing compared to informal credit.

  • Transparent and secure transaction process.

  • Strengthened trust among buyers, sellers, and financiers.

2. Sellers Platform

For SMEs (sellers), the platform is a gateway to affordable finance. Instead of waiting long credit cycles for payment, sellers can:

  • Upload and validate invoices issued to partner buyers.

  • Access liquidity quickly from multiple financiers.

  • Avoid reliance on expensive informal borrowing.

  • Maintain smooth business operations and scale with confidence.

This creates a flexible financial lifeline for SMEs to meet immediate cash flow needs while focusing on growth.

3. Financiers Platform

Banks and other financial institutions play a crucial role on the Financiers Platform. By joining, they gain access to a transparent pool of validated invoices and can:

  • Offer competitive discounting rates to SMEs.

  • Diversify their SME financing portfolios.

  • Reduce risk by working only with confirmed invoices.

  • Strengthen long-term partnerships with credible SMEs and buyers.

This provides financiers with a streamlined, secure, and data-driven way to expand SME lending.

4. Buyers Platform

Buyers are essential in validating trust within the ecosystem. On the Buyers Platform, large corporates and partner organizations can:

  • Confirm the authenticity of invoices submitted by sellers.

  • Strengthen relationships with suppliers by enabling access to affordable finance.

  • Contribute to a healthier supply chain ecosystem.

  • Enhance their reputation as partners that support SME growth and sustainability.

By participating, buyers not only improve supplier confidence but also reinforce their role in fostering inclusive economic growth.

🌍 CJO International’s Enterprise Solutions bring sellers, financiers, and buyers together in a transparent digital marketplace that unlocks capital, fuels SME growth, and strengthens the entire business ecosystem.