How It Works

Simple. Structured. Fast.

Four steps from deal to capital. No complicated processes. No weeks of waiting. Just a clear, transparent process that moves at the speed of business.

01
You Have a Deal

A confirmed supply contract or purchase order from a supermarket, retail chain, or institutional buyer in Lagos.

02
Describe It to Us

Tell us about the deal in plain language — who the buyer is, what you're supplying, how much you need, and the expected settlement timeline.

03
Capital Released

We verify the deal, agree terms within 48 hours, and deploy capital directly to your account so you can fulfil the order immediately.

04
Repaid on Settlement

When the buyer settles the invoice — whether 30, 45, or 60 days — we are repaid our capital plus our agreed return from the transaction profit.

In Detail

What happens at each stage.

01
Submit Your Deal

Use our deal form to describe the supply in plain language. Tell us who the buyer is, what you're supplying, the invoice value, how much capital you need, and when the buyer is expected to pay. The more specific you are, the faster we can respond.

02
We Review Within 48 Hours

We assess the deal — the buyer's credibility, the supply details, and the margin. If it looks like a fit, we reach out directly to discuss terms. If it's not a fit, we'll tell you honestly and explain why. No silence, no vague responses.

03
Terms Agreed & Capital Deployed

Once both parties agree, a simple written agreement is signed covering the capital amount, the expected settlement date, and our profit-share arrangement. Capital is transferred to your designated account — sometimes within the same week.

04
You Fulfil. Buyer Pays. We're Repaid.

You purchase stock, make delivery, and invoice the buyer. When the buyer settles — on whatever timeline was agreed — you repay the capital plus our share of the profit from that transaction. Clean, transparent, and done.

Common Questions

Things people usually ask.

What if my buyer pays late?
+
If your buyer delays beyond the agreed settlement date, notify us immediately in writing. We understand that delays happen in FMCG — but the repayment obligation remains. We can agree short extensions in writing. Beyond 7 days without agreement, a late fee applies.
What documents do I need?
+
You need a confirmed Local Purchase Order (LPO) or supply contract from the buyer, plus your bank details. We may ask to verify the buyer directly. We keep the process light — no audited accounts, no years of financial history required.
How is your fee structured?
+
We take a percentage of the net profit from each supply transaction — not a fixed interest rate on the capital. This means you only pay us meaningfully when the deal is profitable. Exact percentages are agreed per deal based on size, timeline, and risk.
What settlement periods do you cover?
+
We finance deals with settlement periods from 2 weeks up to 90 days. Beyond 90 days we assess case by case. The longer the settlement period, the more we factor that into the terms — but we do not automatically decline longer cycles.
Can I do multiple deals at the same time?
+
Yes — as your track record with us grows, we increase both the capital available and the number of simultaneous deals we can support. We start small and scale with you based on performance.