Capital · Business
Funding, structured for growth.
Working capital, asset finance, expansion funding and invoice financing — for founders and operators building serious businesses.
The Service
Structured funding for SMEs — working capital, assets, expansion and invoice financing — with advisory support that protects the business.
SMEs drive real economic value, and they deserve financing structured with the same rigour as any large corporate. The Negotiator Capital works with founders and operators to identify the right form of capital for the stage they are in — and, just as importantly, to say no to structures that would compromise the business.
We facilitate working capital lines for inventory and payroll cycles, asset financing for equipment and vehicles, expansion funding for new locations or product lines, and invoice financing to unlock cash tied in receivables. Where a business is not yet ready to borrow, we say so plainly and help build the financial reporting and history required.
Our advisors also introduce clients to complementary services — accounting hygiene, tax structuring, corporate governance — to ensure the financing is deployed into a business that can carry it.
Who it's for
Built for those who value clarity.
- Registered SMEs with 12+ months of trading history
- Growing businesses with predictable receivables
- Operators expanding to new locations or lines
- Businesses acquiring vehicles, equipment or premises
- Founders seeking capital-structure advisory before scale
Eligibility
What we typically require.
- CAC registration and tax identification
- Twelve months of bank statements
- Audited or management accounts (as available)
- Clear description of use of funds
- Repayment source demonstrable from operations
Final terms vary by partner institution and applicant profile.
Benefits
Why clients choose this route.
- 01
Right-sized capital
We match structure to stage — working capital, asset or growth funding.
- 02
Speed to decision
Decisive advisory process that respects a founder’s time.
- 03
Partner network
Access to banks, DFIs, non-bank lenders and impact-linked partners.
- 04
Invoice financing
Unlock cash tied in receivables from creditworthy counterparties.
- 05
Advisory-first
We will not sell you a facility your business cannot carry.
How it works
A disciplined process, end to end.
- 01
Discovery
A confidential review of the business, its history and the funding need.
- 02
Diagnostic
Assessment of financial statements, cash-flow cycle and existing obligations.
- 03
Structuring
Recommendation of the appropriate facility type, tenor and partner.
- 04
Sourcing & negotiation
We approach vetted partners on your behalf and negotiate terms.
- 05
Drawdown & monitoring
Facility drawn down and monitored through repayment to protect standing.
Why The Negotiator Capital
Capital, negotiated on your side.
- 01
Founder-aware
Advisors who understand how Nigerian businesses actually operate.
- 02
Group synergy
Access to mobility, real estate and concierge services for business operations.
- 03
Honest advisory
We will refuse deals that would harm the business — even at cost to us.
Questions
Frequently asked.
Straight answers, no small print.
Related
Continue exploring.
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Leasing
Operating and finance lease structures for vehicles, fleets and business equipment — with clear terms, defined tenor and optional purchase.
Vehicle Financing
Flexible financing structures that make ownership of new, imported, electric and commercial vehicles simple, transparent and dignified.
Consultation
Speak with a SME Financing advisor.
Share a few details and a Negotiator Capital advisor will reach out within one business day.
Ready when you are