LPO Financing for Nigerian Businesses Explained: How It Works
13 October 2026 - Naira BriefingLPO financing lets a Nigerian business fund an order it has already won. You hold a confirmed purchase order from a credible buyer but lack the cash to deliver — a lender advances against that order so you can buy stock, fulfil, and repay when the buyer pays. For importers, part of that cost is FX-driven, which ties it to the exchange rate.
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How it works
- You win an order — a valid LPO from a reliable buyer.
- The lender advances — funds to buy or import the goods.
- You deliver and repay — from the buyer’s payment, less the fee.
When imports are involved
If fulfilling the order means importing, the naira cost of stock moves with the rate — so the supplier payment and Form M process matter as much as the financing fee. LPO finance sits alongside invoice financing as a working-capital tool for SMEs.
Importing to fulfil an order? Message us — we convert naira to dollars for supplier payments at a market-based rate.
Financing and fulfilling an order?
We convert naira to dollars for supplier payments at a market-based rate.