For Commercial Banks

The organised MSME segment
your bank is trying to reach.

JUSTRA brings verified, pre-profiled, credit-scorable MSMEs into your banking pipeline. You bring the infrastructure. Together we capture the MSME banking relationship at the point of formalisation.

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The Thesis

Digital banking brought the infrastructure.
JUSTRA brings the customers.

Nigerian digital banking platforms delivered mobile accounts, USSD access, and app-based banking. What they haven't solved is customer acquisition at scale within the MSME segment — because MSMEs were invisible: unregistered, unverifiable, financially opaque.

JUSTRA operates at the formalisation moment — when a business gets its CAC, TIN, and first compliance record. That is the highest-leverage point for a bank to establish a primary banking relationship. We put your bank there.

The opportunity

40M+
Nigerian MSMEs currently operating informally
< 5%
Of Nigerian MSMEs currently have a formal banking relationship
1 moment
When formalisation creates the most bankable customer — and JUSTRA owns it

What JUSTRA Delivers to Banks

Six advantages.
One partnership.

JUSTRA doesn't just refer customers. It delivers structured, verifiable, financially engaged businesses — and the infrastructure to serve them at scale.

📋
Pre-Verified Customer Pipeline
Every JUSTRA business has a confirmed CAC registration, TIN, and compliance scan. You inherit due diligence already done — customers arrive pre-profiled and identity-verified.
📊
Alternative-Data Credit Signal
Tax compliance history, invoice volume, PAYE remittance records, and penalty-free periods form a financial behaviour profile unavailable from any other single source.
🤝
Cooperative Banking Distribution
JUSTRA's cooperative partnerships give your bank access to dense clusters of member businesses — mechanics, furniture makers, tailors — with a single institutional relationship as the distribution channel.
📡
Agency Banking Extension
Cooperative association offices become natural touchpoints for your agency banking network — already trusted, already gathering, already financially engaged.
💳
Digital Collections Layer
JUSTRA's fee infrastructure — compliance fees, service subscriptions, government filings — creates recurring, structured payment behaviour that mirrors the discipline required for loan servicing.
🛡️
De-Risked Lending Structure
Cooperative social capital, peer accountability within trade associations, and coordinated collections through association leadership reduce individual default risk significantly.

Partnership Models

Two tracks.
Start where you're ready.

Both models deliver the same MSME pipeline. The difference is depth of integration and speed to launch.

Fastest to launch

Distribution Partner

JUSTRA refers formalised, verified MSMEs to your banking products at point of onboarding. Referral-based model. Minimal integration. Fastest path to first acquired customers.

  • ✓Referral feed of formalised MSMEs
  • ✓Co-branded onboarding screens
  • ✓Monthly acquisition reporting
  • ✓Launch in 4–6 weeks
Highest return

Strategic Integration Partner

A co-branded digital journey where JUSTRA compliance and your banking products are offered as a unified experience. Embedded finance — savings, credit, payments — built into the JUSTRA platform.

  • ✓Embedded account opening at registration
  • ✓Co-branded compliance + banking dashboard
  • ✓Real-time compliance data sharing (API)
  • ✓Dedicated cooperative banking channel

Risk Posture

Built to reduce risk,
not add it.

Every element of the JUSTRA model — compliance-first onboarding, cooperative social accountability, structured payment behaviour — is designed to make MSME lending safer, not riskier.

✓Compliance-first onboarding reduces per-customer KYC cost
✓Pre-verified identity and business documentation on every account
✓Structured payment behaviour through cooperative channels
✓Tax compliance data as a repeatable alternative credit signal
✓Coordinated collections through association leadership structures
✓Regulatory alignment with CBN financial inclusion mandate

Why Now

The window is open.
It will not stay open.

Three converging forces make 2026 the optimal moment to establish MSME banking partnerships at point of formalisation.

0% CIT under ₦100M
The Nigerian Tax Act 2025 exempts businesses with turnover under ₦100M from company income tax. This is the single strongest argument for formalisation in a generation — and it drives MSME registration volume.
JTB reform tightening
Joint Tax Board reform requires formalised business records for procurement access, tightening standards across government and corporate supply chains. Formal MSMEs need banking relationships.
CBN financial inclusion target
The Central Bank's financial inclusion mandate creates institutional and regulatory incentive for banks to deepen MSME penetration. JUSTRA is the most efficient route to a verified, organised MSME cohort.

Get in Touch

Ready to discuss?
Request a meeting.

Reach out to the JUSTRA partnerships team. We respond within 2 business days.