What We Do

We close the cash flow gap.

Between a confirmed supply order and the capital to fulfil it lies a gap that kills deals every day in Lagos. We exist to close that gap.

Expora supply chain illustrationExpora branded supply truck delivering goods at dawn in LagosWAREHOUSESUPERMARKETEXPORACAPITAL IN MOTION
Lagos Supply Chain
Our Services

Built for operators.

We understand FMCG supply because we come from it. Our financing is structured around the realities of running supply in Lagos — not what looks good on paper.

01
Supply Chain Financing

Fund your purchase orders so you fulfil supply contracts without tying up your own capital — or turning down deals you should have won.

02
Working Capital

Short-term cycle-based capital released against confirmed supply agreements. Fast decisions, no long approval chains, no collateral demands.

03
Partnership Financing

We work with established distributors as a long-term capital partner — not a one-off lender. We grow as you grow.

Why Expora

We are not a bank.
We are not a loan company.

What makes us different

A bank lends money and charges interest regardless of outcome. We deploy capital into a specific confirmed transaction and share in the profit it generates. That alignment of incentives is everything.

No collateral required — your purchase order is the asset
48-hour decisions, not 6-week approval processes
We earn when you earn — profit-share, not fixed interest
We understand FMCG supply — banks don't
No hidden fees, no penalties for early repayment
The problem we solve

Nigerian FMCG distributors lose deals every week — not because they lack buyers, relationships, or margins. They lose them because they lack capital at the right moment.

The buyer is confirmed. The deal is real. The margin is there.
The only missing piece is the capital to purchase stock on Monday so it can be delivered on Tuesday and invoiced for payment in 30 days.
No bank moves that fast. No microfinance lender structures it that way.
Expora does.