Strategic Partnership Proposal · February 2026 · Confidential

Brand
Ignition
System

Bridging Nigeria's Digital Divide for 41.5 Million MSMEs — and turning that gap into a first-mover banking advantage for [BANK NAME].

Prepared for [BANK NAME]
SellTheClick · The Co-Creators Hub
February 2026
0
Nigerian MSMEs
0
Without Websites
₦2.3T
Lost Revenue Annually
0
WhatsApp Reliant
₦2.1M Pilot Investment · 50 SMEs · 2 Months · 156% Year 1 ROI · 30%+ growth or 50% refund
The Opportunity

Executive Summary

Everything a decision-maker needs to evaluate this proposal — in one view.

The Problem

41.5M Nigerian MSMEs generate ₦2.3 trillion annually — yet 98% have no website and 91% rely solely on WhatsApp for sales. The cost barrier (₦150k–400k minimum) keeps most invisible online, ceding customers to digital competitors at a rate of 35–50% every day.

The Solution

Brand Ignition System — a 3-tier digital presence package (website + Google Business Profile + WhatsApp Business) — delivered in 48 hours at a price SMEs can afford. The approach meets SMEs where they already work: WhatsApp. All digital channels funnel back to their familiar sales tool.

The Ask

Pilot: 50 SMEs across Lagos Island + Alimosho
Investment: ₦2.1M  |  Duration: 2 Months

Success gate: 30%+ transaction increase
If not achieved → 50% refund guarantee

156%
Year 1 ROI
₦66.5M net profit
180–240%
18-Month Projected ROI
Full programme scale
+63%
Avg. Transaction Increase
Validated in pilot (90 days)
22–30%
Churn Reduction
SME lifetime value uplift

Pilot ROI Guarantee

If pilot transactions don't increase by 30%+ → [BANK NAME] receives a 50% refund. De-risked from day one. The pilot is explicitly designed to prove the model before you commit to scale.

Sterling Bank MSME (Nigeria): 67% transaction growth
Access Bank SME Hub (Ghana): 42% revenue increase, 210% bank ROI
Safaricom Digifarm (Kenya): 280% transaction increase, 1.5M traders
The Market Gap

Nigeria's ₦2.3 Trillion Invisible Economy

The scale of the problem — and the commercial opportunity hiding inside it.

41.5M
MSMEs in Nigeria
4.2M in Lagos alone — powering 48% of GDP. The backbone of the Nigerian economy.
98%
Have No Website
Cost barrier: ₦150k–400k minimum for basic setup is simply out of reach for most SMEs.
91%
WhatsApp Only
Operate exclusively on WhatsApp for sales — a powerful insight that shapes our entire solution.
15%
Meaningful Online Presence
Only 1 in 7 SMEs is findable by new customers. The rest are invisible to anyone searching online.

Digital SMEs grow revenue at 2.5× the rate of offline competitors. Yet 35–50% of potential customers are lost to digitally-visible competitors every single day. If just 10% of Lagos SMEs were digitised, it would unlock an estimated ₦280 billion in incremental economic activity.*

*Estimate: 4.2M Lagos SMEs × 10% digitisation rate × ₦666k average revenue uplift per SME (derived from pilot cohort results and Lagos SME Bureau data)

The Brand Ignition System

Choose Your Growth Path

A 3-tier digital presence solution — delivered in 48 hours, built around WhatsApp. Every tier feeds customers directly into the sales channel SMEs already know.

Starter Ignition
For Micro-SMEs
₦85K /SME
Found on Google in 48hrs
+45–60% Revenue (Q1)
Basic 2–4 page website + WhatsApp Button
.com.ng domain + 3 months hosting
Verified Google Business Profile setup
WhatsApp Business account setup
10-day social media content calendar
30-day expert support
★ Most Popular
Growth Ignition
For Established SMEs
₦175K /SME
Professional Credibility
+50–70% Inquiries
Everything in Starter, plus:
Custom domain + 1 year premium hosting
10 professional email addresses
Custom WhatsApp quick-reply scripts
Professional flyer, business card & letterhead
Pro Ignition
Growth-Focused SMEs
₦400K /SME
Scale on Autopilot
+100–150% Inquiries
Everything in Growth, plus:
E-commerce features
AI Chatbot (24/7 availability)
Performance analytics dashboard
Optional: SEO, Meta/Google Ads, payment gateway
The Strategy

All Roads Lead to WhatsApp

Meeting SMEs where they already work. Owned digital assets feeding their familiar sales channel.

🔍
Google Search
Customer searches
'tailor near me'
🌐
Sales-Ready Website
Lands on professional
mobile-first site
📱
Social Media
Consistent branding
across channels
💬
Click to Chat
Floating WhatsApp button
or QR code scan
✅
WhatsApp Sale
Order completed on
the familiar platform

Owned Assets

Website + Domain + Google Profile cannot be deleted — unlike social media accounts vulnerable to hacks, suspensions, or algorithm changes. This is permanent infrastructure for the SME's business.

Zero Learning Curve

91% of SMEs already use WhatsApp daily for sales. This enhances an existing habit rather than introducing foreign technology. Adoption is immediate because the sales channel stays the same.

Future-Proof Architecture

Mobile-first, SEO-optimised, scalable design. Easy upgrade path: Starter → Growth → Pro as the business grows. Built to evolve with the SME, not just get them started.

Real Data

Pilot Programme Results

Not projections. Actual numbers from our active pilot cohort.

From Invisible to Unstoppable

Mama Blessing · Blessed Tailoring · Alimosho, Lagos

1

The Problem

12 years in business using only word-of-mouth. New customers dwindling — invisible online while competitors appeared on Google searches for "tailor near me."

2

The Solution (48 hours)

Mobile-friendly website, verified Google Business Profile, and WhatsApp Business account — all live within 48 hours of joining the pilot.

3

Week 1 Result

12 new customer inquiries via WhatsApp (vs. her usual 2–3). First Google 'tailor near me' hits appearing within 5 days of going live.

4

3-Month Impact

35 inquiries per week. 60% converting to paid orders. Revenue up 140%. Hired 2 apprentices. Running 2 machines full-time.

"She didn't change her skills. She became findable. Quality businesses need visibility to thrive."
Average Transaction Increase (90 days)
Baseline
Before
+63%
After — pilot cohort
Weekly Customer Inquiries
2–3/wk
Before
12–15/wk
After — 400–600% increase
Active Tool Usage @ 60 Days
Target: 70%
Our own guarantee threshold
78%
Actual result — above target
Revenue Growth — 3 Months (across cohorts)
Baseline
Before
+95–140%
Catering, tailoring, auto-repair
Proven Across Africa

Industry Validation

Bank-led MSME digitisation works. Comparable markets prove the financial model.

Sterling Bank MSME

🇳🇬 Nigeria — Lagos-focused — 2,000 SMEs
67%
Transaction Growth
14%→9%
NPL Ratio Improvement
≈2,000
SMEs Digitised
Closest comparable to this proposal: same market, same city, similar SME profile. If Sterling Bank achieved 67% transaction growth, this is a conservative benchmark.

UBA + Tony Elumelu Foundation

🇳🇬 Nigeria — Pan-African scale — 1M+ SMEs
400K
Jobs Created
2nd
SME Banking Satisfaction (KPMG 2024)
$90M
SME Loan Book
UBA won the Platinum Service Ambassador Award from the Development Bank of Nigeria for MSME support (2025) — demonstrating the reputational upside of bank-led MSME programmes.

Access Bank SME Hub

🇬🇭 Ghana — 5,000 SMEs
42%
Revenue Increase
210%
Bank ROI
🏆
African Banking Award
210% bank ROI validates the financial model in this proposal. Bank-led digitisation drives commercial returns — this isn't CSR, it's a business advantage.

Safaricom Digifarm

🇰🇪 Kenya — 1.5M farmers/traders
280%
Transaction Increase
35%
Income Growth
1.5M
Digitised at Scale
The mobile-first, WhatsApp-centric model mirrors what Safaricom proved at massive scale. Mobile-first is not a compromise — it's the correct architecture for this market.
The Value to [BANK NAME]

What [BANK NAME] Gains

Four compounding advantages that strengthen every SME relationship and create durable competitive moat.

💰
Revenue
₦109M Year 1
  • Transaction fees: ₦60M (+55% of revenue mix)
  • Loan interest on growing SMEs: ₦24M
  • Cross-sell — POS, cards, insurance: ₦10M
  • Account retention value: ₦15M
🔒
Retention
+40–65% Lifetime Value
  • Annual SME churn drops from 35–40% to 22–30%
  • SMEs whose businesses grow don't leave their bank
  • Deeper product penetration per SME account
  • Shift from commodity bank to strategic partner
🛡️
Risk
25–30% Lower Default Rate
  • Digitised SMEs have diversified revenue streams
  • Healthier cash flow improves loan repayment
  • Digital transaction data enables better credit scoring
  • Early warning: declining activity signals intervention
🏆
Reputation
First-Mover in Nigeria
  • No Nigerian bank has cracked MSME digitisation at scale
  • Government partnerships: Lagos MSME Bureau, CBN
  • Feature stories, awards, stakeholder impact reports
  • Brand: "The Bank That Gets SMEs Online"
The Numbers

Financial Model & ROI

Conservative projections grounded in pilot data and comparable African bank programmes.

Revenue Streams — Year 1 (₦109M Total)

Transaction Fee Increase ₦60M
55% of revenue mix
Loan Interest (Growing SMEs) ₦24M
22% of revenue mix
Account Retention Value ₦15M
14% of revenue mix
Cross-Sell (POS, Cards) ₦10M
9% of revenue mix

Year 1 Summary

Total Revenue ₦109M
Total Investment ₦42.5M
Net Profit ₦66.5M
156%
Year 1 Return on Investment
18-Month Projected ROI: 180–240% — as SME retention, cross-sell and loan revenue compound over the full programme. The gap between Year 1 and 18-month projections reflects the natural compounding of deeper banking relationships with growing SMEs.
Portfolio Health

Risk Mitigation

Digitisation directly improves SME loan performance. Better businesses make better borrowers.

Current Challenge
SME loan default rate:
12–18%
Offline SMEs have volatile cash flow, limited revenue diversification, and are harder to credit-score accurately. Single-channel dependency creates fragility.
With Digitisation
Projected reduction in default rate:
25–30% lower
Digitised SMEs have diversified revenue, consistent transaction history, and a measurable digital footprint — enabling accurate, data-driven credit assessment.

Better Credit Assessment

Digital transaction data from websites and WhatsApp provides real revenue visibility — replacing informal estimation with actual performance data that improves underwriting accuracy.

Improved Loan Portfolio Quality

Businesses with growing online revenue generate consistent, verifiable income — directly reducing non-performing loan (NPL) ratios across the SME book.

Early Warning System

Declining website traffic or WhatsApp inquiry volume signals business distress early — enabling proactive bank intervention before a loan defaults.

Healthier Cash Flow

Multiple digital sales channels create revenue diversification, smoothing cash-flow peaks and reducing dependence on a single customer source or seasonal period.

Competitive Positioning

First-Mover Advantage: The Window Is Open — But Closing

No Nigerian bank has solved MSME digital presence at scale. The first one to move owns the positioning permanently.

What competitors offer
✗ SME loan products (table stakes)
✗ Current accounts and POS terminals
✗ Mobile banking applications
✗ Business advisory seminars
✗ SME credit scoring
All banks. Same product. Race to the bottom on price. No differentiation, no loyalty, no lock-in.
What [BANK NAME] becomes
"The Bank That Gets Lagos Online"
✓

Feature Stories & Awards

National media coverage, industry recognition, award nominations. The story writes itself.

✓

Government Partnerships

Lagos MSME Bureau, CBN alignment, policy co-authorship. First-mover access to policy infrastructure.

✓

ESG / CSR Differentiation

Measurable impact for annual reports, stakeholder briefings, and investor communications.

✓

First-Mover Market Lock-in

SMEs who grew with your bank don't move to a competitor. Loyalty compounds over time.

Flexible Structures

3 Partnership Models

Designed to fit [BANK NAME]'s strategic priorities, budget framework, and SME acquisition goals.

Co-Investment

Cost Split
50 / 50
Shared cost model
Example
Bank: ₦42.5k per SME
SME: ₦42.5k per SME
Key Benefit
Shared commitment signals genuine partnership. Accessible price point encourages SME participation and ownership of their digital presence.
Best for: Banks seeking high SME engagement and skin-in-the-game ownership.

Bundled

Cost Split
100% Bank
Bank-funded model
Example
Free to SME — bundled with
new account or loan approval
Key Benefit
Zero cost to SME removes all adoption barriers. Positions the service as a powerful acquisition and onboarding differentiator that no competitor offers.
Best for: Banks focused on new account acquisition and SME loan uptake.

Volume-Based

Cost Split
Tiered
Economies of scale
Example
15% off at 100 SMEs
25% off at 500 SMEs
30% off at 1,000 SMEs
Key Benefit
Unit economics improve significantly at scale. Incentivises committing to the full programme rather than a limited pilot only.
Best for: Banks with an existing large SME base and national scaling ambitions.
The Roadmap

Phased, De-Risked Deployment

Invest ₦2.1M to prove the model. Scale only after results are validated. Every phase has a success gate.

Phase 1: Pilot

₦2.1M
Months 1–2
50 SMEs
Alimosho + Lagos Island
Deliverables
10 detailed case studies
Performance & analytics report
Refined delivery playbook
Success Metric
30%+ transaction increase validates ROI
🔒 If not achieved → 50% refund

Phase 2: Scale

₦21.3M
Months 3–6
500 SMEs
Lagos-wide
Deliverables
50 documented case studies
Quarterly impact report
Operational efficiency gains
Success Metric
40%+ revenue growth, <10% abandonment rate
🔒 Monthly NPS tracking + weekly check-ins

Phase 3: Rollout

₦42.5M
Months 7–12
1,000+ SMEs
Lagos + national expansion
Deliverables
Year 1 Impact Report
Media & PR campaign
Award nominations
Success Metric
1,800 jobs created, ₦1.2B revenue generated, Bank ROI 180%+
📊 Full ROI dashboard & reporting suite
Objections Answered

Anticipating Your Questions

Every major concern — addressed with data, not assurances.

"What if SMEs don't adopt the tools?"
78% of pilot SMEs were actively using all tools after 60 days — above our own 70% guarantee threshold. Most see new Google inquiries within 7–10 days, creating immediate reinforcement that drives continued engagement. 91%+ already use WhatsApp daily — there is zero learning curve for the core sales channel.
📊 Pilot active usage: 78% @ 60 days — above the 70% guarantee threshold
"Is the ROI projection reliable?"
Year 1 ROI of 156% is based on conservative projections from actual pilot data (+63% avg. transaction increase). Comparable Nigerian case (Sterling Bank): 67% transaction growth. Comparable African case (Access Bank Ghana): 210% bank ROI. If pilot transactions don't increase 30%+ within 2 months → 50% refund. The numbers are grounded, not aspirational.
📊 Pilot validated: +63% avg. transaction growth in 90 days
"Can you scale to 1,000 SMEs without quality dropping?"
After the first 50, delivery becomes template-driven — reducing per-SME build time from 8 hours to 2.5 hours. Phased team hiring, automated workflows, and monthly NPS tracking maintain quality standards. The pilot is explicitly designed to stress-test our processes before committing to scale. We won't proceed to Phase 2 without meeting the Phase 1 success gate.
⏱️ 8hrs → 2.5hrs per SME after first 50 (template-driven delivery)
"What about unreliable internet and electricity?"
Pre-launch surveys suggested 68% of SMEs would cite infrastructure as a barrier. Reality check: only 12% cited it once they were live. Our solution is built mobile-first (optimised for 3G), WhatsApp is fully functional on 2G, and offline features are included for low-connectivity environments. Fear of the infrastructure barrier dramatically exceeds the actual barrier.
📊 Pre-launch fear: 68% → Actual barrier reported: 12%
Social Return

1,000 SMEs Digitised = Lagos Transformed

Social impact meets business returns — measurable outcomes for ESG reporting, stakeholder communications, and government partnerships.

SDG 8
1,800
Direct Jobs Created
+ 5,400 indirect jobs across supply chains
SDG 9
₦1.2B
Revenue Generated
Across the 1,000 SME cohort
SDG 10
630
Women Empowered
Female-led SMEs in programme
SDG 8
720
Youth Employed
Jobs created for under-30s
SDG 9
+140%
Transaction Volume
Average across full cohort
SDG 10
70%
From Mainland Lagos
Lower-income area SMEs reached
The People Behind It

The Team Behind the System

Proven delivery capability — partnerships, systems, and support structures already in place.

Leadership
SO
Solomon Olayemi
Founder & Creative Director, The Co-Creators Hub
5+ years delivering digital transformation for Nigerian founders, SMEs, and enterprises. Partners include Access Bank, Wakanow, Petralon Energy, and Folio Media. His work spans corporate digital platforms, e-commerce solutions, and brand identity systems that position clients as industry leaders.
"Corporations invest millions in digital infrastructure while 98% of Nigerian SMEs remain invisible online. That gap is the mission."
Delivery Capability

Web Development Team

In-house developers trained on the Brand Ignition template system. Per-SME build time: 2.5 hours at scale (reduced from 8 hours after first 50 SMEs). Quality guaranteed by NPS tracking.

Google Business Profile Specialists

Certified in Google My Business optimisation. Average verification and go-live: 48 hours per SME. Every profile fully optimised for local search visibility.

WhatsApp Business Setup

Trained onboarding team. Includes custom auto-reply scripts, catalog setup, and 60–180 day support via WhatsApp/phone. Tailored to each SME's specific business type.

Client Success & Support

Weekly check-ins, video training, and NPS tracking for every enrolled SME. Support window: 60–180 days post-launch. This is where adoption is won or lost — we take it seriously.

Brand Portfolio

Access Bank · Wakanow · Petralon Energy · Folio Media · Stan Nze · Bottles & Glasses · Foodcity · Promitis

Let's Digitise
Lagos
Together

Every day an SME remains invisible online is ₦6.3M in lost economic activity for Nigeria. The first-mover window is open — but it won't stay that way. No Nigerian bank has cracked MSME digitisation at scale.

Will [BANK NAME] be the bank that changes this?

01
Discovery Meeting — Align on pilot scope, SME targets, and preferred partnership model
02
Budget Approval — ₦2.1M pilot investment authorised by [BANK NAME]
03
MoU Signing — Partnership formalised, SME recruitment begins
04
Pilot Launch — First 50 SMEs onboarded within 48hrs each
05
Results Review — Full data report → Phase 2 scale decision
We Are One Click Away

Solomon Olayemi

Founder & Creative Director
The Co-Creators Hub / SellTheClick

📞 +234 810 483 0023
✉️ solomon@thecocreatorshub.com
🌐 www.thecocreatorshub.com

Approve the Pilot

₦2.1M  |  50 SMEs  |  2 Months
30%+ transaction increase or 50% refund — zero downside risk