3 days, not 90.
“A trade financing marketplace — not a lender.”
Financing high-impact SME trade in agriculture, renewable energy, and clean mobility across West Africa.
SEC-licensed
XchangeBOX Capital Limited is licensed by the Securities and Exchange Commission (SEC) of Nigeria as a crowdfunding intermediary.
CBN-licensed settlement partner
Investor capital is routed directly to a CBN-licensed settlement rail (Payrep MFB), where transactions are ring-fenced.
Norrsken award
Winner, Global Call for Startups 2026 · Top 5 of 300+ startups worldwide · Norrsken Impact/Week, Barcelona.
One simple promise: money for the trade, repaid from the trade.
The money goes to the trade, repayment comes back through the same rail, and we screen what we finance.
Ring-fenced repayment
Investor capital is routed directly to a CBN-licensed settlement rail (Payrep MFB) where transactions are ring-fenced. Corporate offtakers repay into the same rail, and investor principal and return are paid before any trader residual is released.
Fast funding
Pooled investor capital is disbursed into the trader's ring-fenced Payrep account within 3 days. That is 72 hrs from purchase order submission to rural disbursements — 3 days, not 90.
ESG screening
We screen all trades for positive environmental and social impact. Zero financing for fossil fuel pipelines, tobacco, weapons, or child labor operations.
Fund the trade in front of you.
Three financing products, one trade model. Each is secured by the trade itself and repaid from the buyer's payment.
Invoice Discounting
Get most of an approved invoice's value now, instead of waiting months for your buyer to settle.
See how it worksTrade Financing
We fund a confirmed purchase order so you can buy, deliver and get paid.
See how it worksLiquidity Financing
Short-cycle working capital for payroll, float, stock or vendor payments.
See how it worksInvest with us.
Your capital funds verified purchase orders, and the offtaker's payment repays the trade through the same ring-fenced rail.
- Investors earn 14–17% p.a. on 14–180-day cycles.
- Principal and return are paid from the offtaker's payment before any trader residual is released.
- Default rate <0.9%, with 18 months live.
- $66K platform revenue (4% of investor returns).
Three steps. No diversion.
Investor capital funds a confirmed trade, and the offtaker's payment comes back through the same ring-fenced rail.
Bring a confirmed order
An anchor offtaker confirms a purchase order, and the trader completes identity and business checks (CAC, BVN and NIN).
We fund the trade
Pooled investor capital goes into the trader's ring-fenced Payrep account within 3 days. Tickets run ₦5M–₦50M, tenor 14–180 days.
The offtaker repays
At maturity, the offtaker pays into the same Payrep account. Investor principal and return are paid first.
Verified purchase order + KYC
The anchor offtaker submits a confirmed purchase order with the commodity, volume, quality, price and maturity. The trader passes CAC, BVN and NIN checks, and submits bank statements for KYC.
Credit & Security
On the first transaction, the trader assigns the receivable, provides personal guarantees, and signs an irrevocable direct-debit mandate.
Investor Funds
Pooled investor capital is paid into the trader's ring-fenced Payrep account within 3 days at fair farm-gate value. Ticket ₦5M–₦50M, tenor 14–180 days.
Delivery & QC
Field partners check quality on the ground and deliver to the offtaker. Goods are insured for goods in transit and fire, with XBC named as loss payee.
Offtaker Repays
At maturity, the offtaker pays into the domiciled Payrep account. The automatic transfer pays investor principal and return before any trader residual is released.
Investor capital goes directly into a CBN-licensed settlement rail (Payrep MFB), where transactions are ring-fenced. Corporate offtakers repay into the same rail, so payouts are automatic and funds cannot be diverted.
The Model Holds.
Not a pilot. A working model, checked cycle by cycle.
Backed by ring-fenced bank accounts.
SMEs returning to expand their operations.
From purchase order submission to rural disbursements.
Empowering female-led retail trade networks.
Ready to move?
Finance the trade in front of you, or invest in the trades behind it.
Sectors We Fund
We put capital into real-economy SME trades that support cleaner energy, food security and local jobs.
Agricultural Trade
We connect smallholder farmers to major commercial food millers, financing bulk grain, rice and soy deliveries against confirmed purchase orders.
Renewable Energy
We finance solar mini-grid inventory, rural solar pump imports and commercial solar systems for off-grid communities.
Electric Mobility
We fund e-trike fleets and delivery motorbikes for zero-emission urban logistics. Each fleet offsets ~1.2 tonnes of CO2 monthly.
Retail Traders
We give market traders, distributors and shop owners the working capital to stock inventory, fulfil bulk orders and grow.
Negative ESG Screening Pledge
We screen all trades for positive environmental and social impact. Zero financing for fossil fuel pipelines, tobacco, weapons, or child labor operations.
Winner, Global Call for Startups 2026
Xchangebox was selected as one of five winners from a global pool of 300+ qualified applicants, chosen for combining impact, scalability and investability. The winners presented at Norrsken Impact/Week in Barcelona, 14–15 October 2026.
- Top 5 of 300+ startups worldwide
- Norrsken Impact/Week, Barcelona · 14–15 Oct 2026
- In partnership with Accenture, Katapult and Norrsken
Have Questions? We Have Answers.
Quick answers to the most common questions about investing, financing, and our platform rules.
XchangeBOX is a trade financing platform that connects Investors with vetted SMEs, agri-traders, agritech platforms, and smallholder farmers who need funding for specific trade transactions. We build digital and financial infrastructure that bridges the gap between capital and the real economy.
Yes. XchangeBOX Capital Limited is licensed by the Securities and Exchange Commission (SEC) of Nigeria as a crowdfunding intermediary, operating in compliance with SEC Crowdfunding Rules.
Create an account, complete your identity verification (KYC), fund your wallet, and browse active trade financing opportunities. You can review each opportunity's terms, tenor, and expected return before committing funds.
No. Like all investments, your capital is at risk. XchangeBOX applies KYC, credit checks, collateral requirements, and recovery mechanisms to reduce risk, but this does not guarantee repayment. Please read our full Risk Disclosure before committing capital.
SMEs, electric vehicle ride hailers, agri-processors, agri-traders, agritech platforms, and smallholder farmers with a verifiable trade transaction can apply. All applicants must pass KYC, business verification, and credit assessment.
One promise. Three days, not 90.
Tell us about the trade you need to fund, or the capital you want to put to work.