CJO International Training & Consultation Services

Overview

At CJO International, we believe that finance without knowledge is incomplete. Many SMEs face challenges not only in securing funding but also in managing their finances, keeping accurate records, and planning for sustainable growth. Our Training and Consultation services were designed to bridge this gap.

Through structured workshops, one-on-one advisory, and digital learning tools, we empower SMEs with the skills, insights, and confidence needed to thrive in today’s competitive economy.

Core Areas of Training

1. Financial Literacy & Management

  • Basics of bookkeeping and record-keeping.

  • Cash flow management strategies.

  • Understanding credit, debt, and repayment cycles.

  • Preparing financial statements and reports.

2. Invoice Factoring & Discounting Education

  • How e-invoice discounting works in practice.

  • Benefits compared to informal borrowing.

  • Building credibility with corporate buyers and banks.

  • Avoiding risks in receivable financing.

3. SME Growth & Business Development

  • Crafting scalable business models.

  • Leveraging trade finance for local and cross-border expansion.

  • Supply chain integration and vendor development.

  • Building resilience during economic downturns.

4. Digital Transformation & Tools

  • Training on using digital platforms for finance.

  • Cybersecurity awareness for SMEs.

  • Mobile and cloud-based tools for business efficiency.

  • Transitioning from manual to automated invoicing systems.

Consultation Services

Beyond group training, CJO International offers tailored consultation for SMEs and corporates:

  • SME Advisory: Personalized sessions to address unique challenges like cash flow gaps, debt restructuring, or expansion planning.

  • Corporate Vendor Development: Helping large corporations build stronger, more financially stable SME supply chains.

  • Policy & Institutional Consulting: Supporting government and cooperatives in designing inclusive finance programs and SME empowerment strategies.

  • Technology Consultation: Advising SMEs and corporates on adopting digital financial tools, automation, and invoice authentication systems (e.g., blockchain).

Impact of Training & Consultation

  • Capacity Building: SMEs acquire knowledge to manage growth sustainably.

  • Risk Reduction: Better record-keeping and financial discipline reduce loan defaults.

  • Trust & Confidence: Trained SMEs become credible borrowers, attractive to banks and investors.

  • Scalable Growth: Empowered SMEs expand, creating jobs and strengthening Nigeria’s economy.

Future Outlook

CJO International is building a Digital Learning Hub to extend training access nationwide. This hub will provide:

  • Online workshops and webinars.

  • Downloadable learning resources.

  • A mentorship network connecting SMEs with finance and business experts.

By combining finance, training, and advisory, CJO International ensures SMEs don’t just survive—they grow, innovate, and sustain impact for the long term.