Invoice Financing for Nigerian SMEs Explained: Cash Flow, Faster
13 October 2026 - Naira BriefingInvoice financing turns unpaid invoices into cash now. You have delivered goods or services and issued an invoice, but the buyer pays in 30, 60 or 90 days — a lender advances most of that amount immediately, releasing the rest (minus a fee) when the buyer settles. It is a cash-flow tool, and for exporters it has an FX dimension tied to the exchange rate.
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How it works
- You issue an invoice — to a creditworthy buyer.
- The lender advances — often 70–90% up front.
- The buyer pays — you get the balance less the fee.
Exporters and FX
If your invoices are in dollars — common for businesses paid from abroad — the naira you ultimately receive depends on the rate when proceeds are converted. Invoice finance pairs naturally with LPO financing as a working-capital set, and exporters should track the live USD rate.
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