🌐 CJO Marketplace

At CJO International, we believe access to working capital should never hold back the growth of small and medium-sized enterprises (SMEs). Our Invoice Discounting Marketplace connects businesses, financiers, and buyers on one trusted digital platform — unlocking liquidity, strengthening partnerships, and driving economic growth.

🔹 What is the CJO Invoice Discounting Marketplace?

The marketplace is a secure online platform where SMEs can upload their verified invoices, and partner financiers can bid to provide cash advances against those invoices. Buyers confirm invoice authenticity, ensuring full transparency and trust.

This creates a win–win ecosystem:

  • Sellers (SMEs) gain quick access to funds without waiting for long payment cycles.

  • Financiers (banks, investors, NBFCs) earn stable, low-risk returns.

  • Buyers (corporates) strengthen supplier relationships while maintaining their own payment terms.

🔹 How It Works

  1. Seller uploads an invoice issued to a buyer.

  2. Buyer confirms authenticity of the invoice.

  3. Financiers bid competitively to discount the invoice at the best rate.

  4. Seller receives immediate funds, boosting cash flow.

  5. On maturity, the buyer pays the financier, closing the transaction.

🔹 Benefits of Using Our Marketplace

For Sellers (SMEs):

  • Instant working capital without adding new debt

  • Competitive financing rates due to multiple financiers

  • Easy digital onboarding and invoice tracking

For Financiers (Banks & Investors):

  • Access to verified invoices with buyer confirmation

  • Diversified investment opportunities

  • Transparent risk management and reporting tools

For Buyers (Corporates):

  • Strengthened supplier relationships

  • No disruption to existing payment terms

  • Improved supply chain resilience

🔹 Why Choose CJO International?

  • Trusted Platform: Built with transparency, integrity, and compliance at its core.

  • Seamless Digital Experience: Simple dashboards for sellers, financiers, and buyers.

  • Inclusive Growth: Focused on empowering Nigeria’s SMEs and supporting corporate partnerships.

🚀 Join the Marketplace Today

Unlock liquidity, strengthen your business, and be part of a transparent financial ecosystem.
👉 [Register Now]