1. E-Invoice Discounting Platform: Turning Invoices into Growth Capital

For most SMEs, waiting 60–90 days for payments from large buyers creates a bottleneck that limits growth. CJO International’s E-Invoice Discounting Platform solves this by converting pending invoices into immediate cash.

By submitting confirmed invoices from partner corporates, SMEs can access liquidity directly from partner banks at discounted rates. This reduces reliance on informal lenders charging exorbitant interest and empowers SMEs to reinvest in operations, pay staff promptly, and fulfill new contracts.

With every transaction, SMEs gain not just cash but also credibility in the formal financial system, making it easier to build lasting banking relationships.

2. SME Financing Solutions: Flexible Capital for Dynamic Businesses

Every SME faces unique financial challenges—from meeting payroll during low cash flow periods to securing funds for international trade. CJO International bridges this gap with SME Financing Solutions designed around flexibility and growth.

Our products include:

  • Working Capital Loans that provide short-term liquidity.

  • Trade Finance Support that empowers SMEs to fulfill both local and cross-border transactions.

By tailoring loan sizes, repayment terms, and structures to business realities, CJO International ensures SMEs can access financing that is affordable, practical, and scalable.

3. Financial Advisory & Literacy Support: Knowledge as Capital

Access to finance without financial literacy can limit long-term growth. That’s why CJO International goes beyond funding to provide Financial Advisory & Literacy Support.

Through capacity-building programs, SMEs gain practical insights into:

  • Credit management and risk assessment.

  • Effective use of digital financial tools.

  • Strategic growth planning and record-keeping.

Workshops on invoice factoring and cash flow management further strengthen SME capacity. With this support, SMEs not only access funds but also learn how to manage them sustainably, building resilience and preparing for expansion.

4. Partnership Solutions for Corporates: Strengthening Vendor Ecosystems

Corporates depend heavily on SME vendors for efficiency and supply-chain reliability. However, when SMEs lack liquidity, entire supply chains are at risk.

CJO International offers Partnership Solutions for Corporates, where we co-create supply-chain finance programs tailored to vendor realities. We also help corporates run vendor development initiatives, empowering suppliers to scale, improve standards, and remain competitive.

This dual benefit strengthens corporate efficiency while enabling SMEs to thrive. Together, corporates and SMEs create a win–win ecosystem that drives industrial growth and economic sustainability.

5. Technology-Driven Inclusivity: Finance at Your Fingertips

CJO International leverages technology to bring financial services closer to SMEs. From a digital invoice discounting platform to mobile-enabled loan applications, technology ensures speed, transparency, and accessibility.

Our solutions reduce bureaucracy, cut down waiting periods, and allow SMEs to track transactions in real-time. This digitization ensures that even SMEs in underserved regions gain access to affordable financial products.

6. Building Sustainable Impact: Finance Beyond Profits

At CJO International, finance is not just about money—it’s about building sustainable ecosystems. By embedding services into supply chains, cooperatives, and government initiatives, CJO ensures long-term resilience.

This approach reduces systemic risk for lenders, promotes trust, and ensures that SMEs can continue to grow even in uncertain economic environments. The goal is simple: create finance that builds lasting impact for businesses, families, and communities.