Introduction
Small and medium-sized enterprises (SMEs) are the backbone of Nigeria’s economy, but many face the same challenge: irregular cash flow. Without proper funding, even the most promising businesses can stall. At Pakasso Credit and Capital Ltd, we understand these struggles—and we’ve built solutions to match.
1. Delayed Payments from Clients
Many SMEs wait 30–90 days to get paid after delivering goods or services. This delay ties up working capital and makes it hard to reinvest.
Pakasso Solution: With invoice discounting and receivables finance, you can unlock cash tied up in unpaid invoices.
2. Limited Access to Bank Credit
Traditional banks often require heavy collateral or long approval times that SMEs can’t afford.
Pakasso Solution: Our SME loans offer flexible repayment and fast approvals within 24–72 hours.
3. Rising Operational Costs
Rent, payroll, and inventory costs are always on the rise, straining daily cash flow.
Pakasso Solution: Our general working capital loans give you the breathing room to meet recurring expenses with ease.
4. Seasonal Sales Fluctuations
Many traders and service providers experience peak and off-peak seasons, making finances unpredictable.
Pakasso Solution: Our sector-specific packs (schools, hospitals, hospitality) are structured with repayment schedules that match your income cycles.
5. Lack of Growth Capital
SMEs often miss out on big opportunities because they don’t have funds to scale operations quickly.
Pakasso Solution: With LPO and contractor financing, you can secure funds to execute contracts on time and grow your business.
Conclusion
Cash flow challenges don’t have to hold your business back. At Pakasso, we provide fast, flexible, and secure financing so you can focus on growth, not stress.
