1. E-Invoice Discounting Platform: Unlocking Liquidity for SMEs

Access to working capital remains one of the biggest challenges for small and medium-sized enterprises (SMEs) in Nigeria. Many businesses wait 30 to 90 days—or even longer—for payments from corporate buyers, creating liquidity gaps that hinder growth.

CJO International’s E-Invoice Discounting Platform bridges this gap. By allowing SMEs to present confirmed invoices from trusted partner buyers, the platform enables partner banks to provide immediate funds at discounted rates.

This solution reduces reliance on costly informal borrowing, empowers SMEs with affordable liquidity, and strengthens supply-chain reliability for large corporates. Ultimately, it ensures that businesses can meet obligations on time, scale operations, and pursue new opportunities without being held back by delayed payments.

2. SME Financing Solutions: Tailored Support for Growth

Every SME has unique financing needs—whether to fulfill a large order, expand production, or finance imports and exports. CJO International works with partner banks and financial institutions to design SME Financing Solutions that go beyond invoice discounting.

These include:

  • Short-Term Working Capital Loans: Quick-access loans that keep businesses operational during cash flow shortages.

  • Trade Finance Support: Facilities that allow SMEs to confidently engage in local and cross-border transactions without being constrained by limited liquidity.

By tailoring these products to sector-specific realities—such as manufacturing, agriculture, or retail—CJO International ensures SMEs receive financing that is flexible, affordable, and growth-oriented.

3. Financial Advisory & Literacy Support: Building Sustainable Enterprises

Access to finance is only part of the solution—knowing how to manage it is equally important. CJO International equips SMEs with knowledge and skills through targeted capacity-building programs and advisory services.

Our initiatives include:

  • Workshops on invoice factoring and credit management.

  • Training on the use of digital financial tools to improve efficiency and record-keeping.

  • Advisory services tailored to SME owners navigating complex financing structures.

By combining finance with knowledge, CJO International empowers SMEs to make informed decisions, manage risks, and build sustainable businesses capable of thriving in competitive markets.

4. Partnership Solutions for Corporates: Strengthening Supply Chains

Large corporations rely heavily on SME vendors and suppliers. However, when these SMEs lack access to affordable finance, supply chains become fragile. CJO International addresses this challenge through Partnership Solutions for Corporates.

We co-design supply-chain finance programs with major buyers, ensuring their SME partners have reliable access to liquidity. Additionally, we support vendor development initiatives, helping SMEs meet quality standards, scale operations, and remain competitive suppliers.

This collaborative approach benefits both sides: SMEs gain financing and credibility, while corporates enjoy stronger, more resilient supply chains that improve efficiency and reduce operational risks.

✅ Together, these four service pillars—E-Invoice Discounting, SME Financing, Financial Advisory, and Corporate Partnerships—form the backbone of CJO International’s mission to drive inclusive growth and resilience in Nigeria’s SME sector.