MSME · Just Starting
Market Trading · Lagos

Lagos never stops.
Neither should you.

Get your TIN, register with CAC, and stop paying arbitrary levies. Formal traders win the contracts informal ones can't touch.

Compliance Snapshot
🛒
Adaeze Nwachukwu Stores
General Goods Trader · Ladipo Market, Lagos · 9 years
CAC RegistrationMissing
Tax ID (TIN)Missing
LGA Market PermitExpired
NRS Business TaxPending
Compliance Score22%
🏛️ CAC via Kosher Legal (Accredited Agent)·🔒 Encrypted & secure·⚡ 3-minute setup·📲 Works offline
40M+Informal Nigerian businesses
₦0To get your compliance score
3 minTo complete onboarding
40+Sector-specific rules applied
Free Compliance Check

What's your compliance score?

3 questions. 60 seconds. No sign-up needed.

Step 1 of 3 — Business Type

40 million Nigerian businesses.
Invisible, locked out, vulnerable.

🏦

Invisible to Finance

Banks can't lend to unregistered entities. Formal credit, grants, and investment remain out of reach — regardless of track record.

📋

Locked Out of Procurement

Government and corporate contracts require CAC, TCC, and pension compliance. Informal businesses can't compete — no matter how capable.

⚠️

Vulnerable to Enforcement

Without registration and tax compliance, businesses face arbitrary levies, sudden shutdowns, and penalties with zero legal protection.

One platform.
Built for three different needs.

Whether you run a solo trade business, lead a cooperative of 500 members, or advise clients as a professional — JUSTRA has a specific programme for you.

🔧
Most common
Business Owners & Traders
Get registered. Stay compliant. Win contracts.
Mechanics, builders, tailors, food vendors, furniture makers — any Nigerian business that needs CAC registration, TIN, and compliance tracking in one place.
  • ◆CAC registration handled end-to-end
  • ◆Compliance score and action plan in 3 minutes
  • ◆NRS-compliant invoicing and receipts
  • ◆Filing deadline calendar — never miss a return
See All Sectors →
🤝
Collective power
Cooperative Associations
Formalise your members. Unlock group banking.
Mechanic associations, market unions, tailoring cooperatives, and trade groups — JUSTRA formalises members en masse and positions the group for institutional finance.
  • ◆Member registration and compliance tracking
  • ◆Cooperative CAC registration and certification
  • ◆Ajo contribution management and ledger
  • ◆Access to cooperative banking partnerships
Cooperative Programme →
💼
Solo practice
Freelancers & Professionals
Register your practice. Recover your WHT. Bill properly.
Consultants, designers, developers, accountants, lawyers operating independently — JUSTRA sets up your business registration and WHT tracking so you stop losing money on every invoice.
  • ◆Business Name registration in under 7 days
  • ◆WHT credit note tracking — never lose another 5–10%
  • ◆Professional invoice generator with TIN embedded
  • ◆Personal Income Tax filing and deadline alerts
Freelancer Programme →

From onboarding to
fully compliant in minutes.

app.justra.ng/dashboard
Overview
Invoices
Documents
TaxSense
Clients
68%
CAC Registration
File PAYE
Upload TCC

Experience JUSTRA live — sign up free and see your compliance score in 3 minutes.

Get Started Free →
📊Compliance score in minutes
🧾NRS-compliant invoices
📅Filing deadline tracking
📁Document vault

From zero to compliant.
In four steps.

01
⚡

3-Minute Onboarding

Phone, trade type, state. No paperwork, no office visits. Your profile is live in minutes.

02
🔍

Instant Compliance Scan

Our rules engine checks 40+ regulations across all states and produces your compliance score.

03
📋

Guided Action Plan

Clear, prioritised steps — register CAC, get TIN, file PAYE — with deadlines and reminders.

04
✅

Get Compliant

Stay on top of every deadline, filing, and requirement. JUSTRA tracks it all and alerts you before anything lapses.

Nigerian businesses.
Transformed by compliance.

🔧
“Before JUSTRA, I didn't know I needed NSITF for my 3 workers. Now I'm compliant and just won my first government workshop contract.”
Emeka Okafor
Auto Mechanic · Port Harcourt
28%Before
→
82%After

Illustrative scenarios based on real Nigerian business compliance journeys.

New in 2026

The Tax Act 2025 just made
formalising a tax-saving move.

Under the Nigerian Tax Act 2025 (effective January 2026), companies with turnover under ₦100M pay 0% company income tax. For most Nigerian SMEs, formalising is now a tax-saving decision — not just a compliance one.

See What You Save →
0%
Company Income Tax
For businesses with turnover under ₦100M
Jan 2026
Already in effect
Nigerian Tax Act 2025 — signed into law
Other incentives: simplified filing under the JTB reform, streamlined tax types, and reduced compliance burden for micro and small enterprises.

From formalisation to growth.
One continuous journey.

JUSTRA is not just a registration service. It is the infrastructure a Nigerian business builds on — from first CAC registration all the way to institutional finance and market access.

01Live
📋
Formalise
  • ◆CAC registration
  • ◆TIN issuance
  • ◆Business identity
02Live
✅
Comply
  • ◆Tax filing & PAYE
  • ◆Permits & renewals
  • ◆Deadline tracking
03Live
🏅
Get Verified
  • ◆Verified status
  • ◆Trust layer
  • ◆Supplier eligibility
04Coming Q3 2026
🚀
Grow
  • ◆Banking access
  • ◆Credit facilities
  • ◆Market linkages

Staying informal is not free.
It is just quietly expensive.

Every Nigerian business without proper registration carries a silent penalty balance. These are the real fines — not hypothetical ones.

₦10,000/month
No CAC registration
CAC annual return penalty accrues monthly; persistent non-filers face business strike-off and name loss
₦500,000+
Late PAYE remittance
10% of unpaid PAYE plus ₦500,000 administrative penalty per incident — applied by state IRS
₦250,000+
No NSITF — worker injured
Plus 2% of monthly payroll for every month of non-coverage; criminal liability possible on construction sites
₦50,000 minimum
Late NRS annual returns
Plus 10% of unpaid tax and 21% p.a. interest — even if no tax is actually owed
Product seizure
Unregistered food product sold
NAFDAC enforcement seizes all unregistered stock; fines start at ₦100,000 with criminal prosecution for repeat offenders
5–10% of income
No TIN — WHT not recovered
Every professional invoice where WHT is deducted becomes a permanent loss without a registered TIN to claim against

JUSTRA starts at ₦3,000/month. One enforcement visit costs more than a full year of compliance management.

Get Compliant Free →

Ready to make it official?

Get your compliance score free in 3 minutes. No paperwork. No office visits.