One standard of evidence, applied four ways.

Each practice answers a different question — can this business borrow, is this institution governable, what is recoverable, what will a programme actually deliver — but all four end in documentation that survives the room it is meant for.

01 / Access to finance

Access to finance OFAP

Thousands of Nigerian businesses are eligible for concessionary and commercial credit but cannot access it: financial records are thin, the business plan is a formality, and the application does not survive credit review. We close that gap with documents a lender can underwrite.

What we do

Eligibility diagnostics against BOI, DBN, NIRSAL and bank criteria
Bankable business plans and three-statement financial models
Application packaging, submission and lender follow-up
Collateral, security and covenant structuring
Post-approval compliance and drawdown support

For: SMEs in manufacturing, agribusiness, healthcare and trade
Credential: Bank of Industry-accredited Business Development Service Provider

Annual reports, a pen and reading glasses on a boardroom table

02 / Governance

Governance and institutional development CGID

Family-owned and fast-growing businesses reach a point where the founder's judgement is no longer enough: investors ask for a board, banks ask for controls, and the next generation asks for a structure. We build the institutions that answer those questions.

What we do

Board composition, charters, committees and evaluation
Organisation design, role architecture and delegation of authority
Performance management and capability frameworks
Risk, compliance and internal control frameworks
Succession and family-business governance

For: Family businesses, high-growth SMEs and maturing enterprises
Outcome: An institution an investor or regulator can assess

How it runs

Diagnostic and document review
Structures drafted with the board, not imposed on it
Implementation support through the first cycle
Handover with the manuals, registers and calendars in place

03 / Distressed debt

NPL workout and debt recovery

Bank-facing restructuring, workout and receivership mandates across northern Nigeria, with NGN 4.7 billion resolved to date. The work is unglamorous and evidence-led: establish the position, secure the assets, then recover value in an order the creditor can defend.

What we do

Receivership appointments and asset preservation
Portfolio triage and recoverability assessment
Workout structuring and restructuring proposals
Creditor negotiation and consent solicitation
Asset realisation and distribution reporting

Track record: NGN 4.7 billion in receivership and NPL mandates
Counterparties: Commercial banks, AMCON and creditors

04 / Development

Government and DFI advisory

Programmes succeed or fail on local execution. We act as local partner or prime consultant for development institutions and state governments working on financial-sector reform and MSME development in northern Nigeria.

What we do

Programme design and theory of change
MSME finance and access-to-credit components
Financial-sector reform diagnostics
Stakeholder mapping and state-level coordination
Implementation support, monitoring and reporting

Institutions we work alongside

World Bank
African Development Bank
GIZ
FCDO
European Union
United Nations agencies
Nigerian state governments

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