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.
Sectors We Fund
We drive capital into real-economy SME transactions that accelerate decarbonization, food security, and local job creation.
Agricultural Trade
Connecting smallholder farmers to major commercial food millers. We finance bulk grain, rice, and soy deliveries against confirmed Purchase Orders.
Renewable Energy
Financing solar mini-grid inventory, rural solar pump imports, and commercial solar integrations for off-grid communities.
Electric Mobility
Funding e-trike fleets and delivery motorbikes for zero-emission urban logistics, which offsets ~1.2 tonnes of CO2 monthly per fleet.
Retail Traders
Supporting market traders, distributors, and shop owners with working capital to stock inventory, fulfil bulk orders, and grow their operations.
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.
Five Steps. Zero Diversion.
Our tech-driven origination and sweep system closes doors to fund diversion.
Verified PO + KYC
Anchor offtaker submits confirmed Purchase Order detailing commodity, volume, quality, price, and maturity. Trader passes CAC/BVN/NIN; bank statements submitted for KYC.
Credit & Security
For the first transaction there is an assignment of receivables, personal guarantees, and an irrevocable direct-debit mandate.
Investor Funds
Pooled investor capital disbursed 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 verify quality on the ground and deliver to the offtaker. Goods insured (GIT/Fire) with XBC noted as loss payee.
Offtaker Repays
On maturity, offtaker pays into the domiciled Payrep account. Auto-sweep waterfall: investor principal + return swept before trader residual.
Investor capital is routed directly to a CBN-licensed settlement rail (Payrep MFB) where transactions are ring-fenced. Corporate offtakers settle directly back into the same rail, automating payouts and preventing diversion.
Backed & Trusted by Leading Institutions
The Model Holds.
Not a pilot. A working rail, audited cycle by cycle.
Guarded by ring-fenced bank accounts.
SMEs returning to expand their operations.
From PO submission to rural disbursements.
Empowering female-led retail trade networks.
Built by Founders for Founders.
“We are second-time founders, and throughout our first company we struggled to find finance. Building a business is hard because lenders ask for heavy collateral, but we want to remove that barrier.”
- The Founding Team
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.