Gift Adah
Contributor at Zaccheus
How to Integrate Fintech Tools Into Your Business Accounting System
In today’s fast-paced business environment, integrating fintech tools into your accounting system is no longer optional, it’s essential. These tools …
How Digital Banking Is Helping SMEs Thrive in Africa
Digital banking for SMEs in Africa is transforming how small businesses operate. Traditionally, limited access to banking, slow payments, and …
The Future of Accounting Careers in Nigeria: What Graduates Should Expect
Accounting has always been the backbone of business in Nigeria, but the profession is evolving rapidly. Automation, AI, fintech innovations, …
Manage Startup Finances While Bootstrapping: Smart Strategies for Growth
How to manage startup finances when you’re bootstrapping can be one of the most challenging questions for founders. With limited …
Understanding the Link Between Accounting and Business Growth
Understanding the link between accounting and business growth is essential for any entrepreneur or business owner. Strong financial management goes …
How to Create a Financial Model That Attracts Venture Capital: Essential Playbook
Many founders lose investor interest because their financial model looks confusing or unrealistic. Venture capitalists do not just fund great …
How Nigerian Businesses Can Access Foreign Grants: The Ultimate Guide
Many Nigerian founders struggle with one challenge, the lack of adequate funding. Foreign grants feel out of reach for most …
Recover From a Bad Financial Year: How to Rebuild Confidence and Stabilize Your Business
Recover from a bad financial year by taking deliberate steps to understand what went wrong, stabilize your finances, and rebuild …
The Importance of Financial Transparency in Startup Growth
For startups, growth isn’t just about gaining customers or increasing revenue, it’s also about building trust. One of the most …
How to Manage Multi-Currency Payments as a Nigerian Exporter
Exporting products from Nigeria offers huge opportunities, but it also comes with financial complexities. One of the biggest challenges exporters …
The Role of ESG in Attracting Investors
Funding has become more competitive, and investors want more than financial projections. They want proof that a company operates responsibly …
How to Build a Business Budget for a Product Launch
Launching a new product is exciting, but without a clear financial plan, it can quickly become costly and chaotic. Many …
The Pros and Cons of Outsourcing Your Accounting Functions
Managing the finances of a business can be complicated, especially for small and medium-sized enterprises. From payroll to taxes and …
How to Handle Fraud and Financial Mismanagement in Small Businesses
Small businesses are particularly vulnerable to fraud and financial mismanagement. Limited oversight, stretched resources, and informal processes can make it …
Sustainable Financing in Nigeria: How Businesses Can Benefit
Running a business in Nigeria comes with challenges from fluctuating costs to access to capital, and unpredictable markets. But there’s …
How to Stay Profitable During an Economic Downturn
Economic downturns are tough. Sales slow, costs rise, and uncertainty looms. Many businesses struggle to survive, while others not only …
Understanding the Impact of Inflation on Business Valuation
Imagine waking up tomorrow and realizing that every dollar your business earns is worth less than it was yesterday. Prices …
How to Track and Improve Your Business Profit Margins
Every business owner loves the idea of making more money, but real success is not measured by how much you …
How AI and Big Data Are Changing the Accounting Profession
Imagine a world where accountants no longer spend hours on repetitive bookkeeping, chasing invoices, or manually reconciling accounts. Instead, they …
How to Prepare Financially Before Expanding to New Markets
Expanding your business into a new market is exciting, but it can also be risky. Imagine pouring resources into growth, …
How to Choose the Right Business Insurance Plan for Your Company
Imagine waking up one morning to find that a fire, lawsuit, data breach, or accident has threatened the very business …
What Every Nigerian Business Should Know About Transfer Pricing
Transfer pricing is not just a technical accounting concept reserved for global conglomerates for Nigerian businesses that deal with related …
The Rise of Virtual CFOs: Why SMEs Are Hiring Them
Small and medium sized businesses are dealing with tighter margins, complex financial decisions, and unpredictable market conditions. Many cannot afford …
How to Handle Financial Disputes Between Co-Founders
Financial disagreements can destroy even the strongest partnerships. Many startups fail because co-founders avoid difficult money conversations until it is …
How to Create a Solid Exit Strategy for Your Business
Many business owners build and grow their companies without thinking about how they will eventually leave. This creates stress, financial …
The Real Cost of Ignoring Tax Compliance in Nigeria
Tax compliance in Nigeria is more than a legal obligation; it is essential for the stability, growth, and credibility of …
Understanding Financial Statements for Non-Finance Founders
Every founder needs to understand financial statements, even if they do not have a finance background. Your financial reports reveal …
How to Manage Investor Funds Responsibly as a Startup Founder
Raising capital is one thing. Managing that money responsibly is a different skill entirely. Many founders underestimate how quickly investor …
How to Conduct a Financial Health Check on Your Business in 10 Minutes
Most founders want to understand the financial health of their business but rarely have the time for long reports. A …
The Future of Work and Remote Finance Teams in Nigeria
The future of work in Nigeria is changing faster than most founders expected. Remote teams have become part of everyday …
How Naira Exchange Rate Affects Import Business – A 2025 Survival Guide
If your business depends on imported goods, the naira exchange rate affects almost everything you do. One small shift in …
How to Set Financial Goals for Small Business: A Practical Guide That Works
Every small business wants predictable revenue and stress-free cash flow. Most never get there because their financial goals are vague …
The Psychology of Money: How Founders Make Better Spending Decisions
Money isn’t just numbers on a spreadsheet, it’s habits, emotions, and mindset. For startup founders and SME owners, managing limited …
How to Maintain a Positive Cash Flow During Slow Seasons (Smart Strategies for SMEs)
Every business, regardless of industry or size, experiences periods where revenue slows down. These slow seasons can be challenging, especially …
How to Secure Angel Investors for Your Startup in Nigeria
Securing angel investors in Nigeria often feels difficult, especially for early-stage founders who need funding to grow. Many entrepreneurs struggle …
What Nigerian SMEs Can Learn From Global Accounting Practices
Global accounting practices continue to shape how successful businesses operate across the world, and Nigerian SMEs can learn a lot …
The Hidden Costs of Running a Business in Nigeria: What Entrepreneurs Overlook
Starting a business in Nigeria sounds exciting, until reality sets in. Beyond rent, salaries, and basic expenses, there are countless …
Equity vs Loan for Business: How to Choose the Best Funding Option for Your Growth
Every entrepreneur eventually faces a major financial decision:Should I raise equity or should I take a loan? This question is …
Understanding the 2025 Finance Act: What Entrepreneurs Need to Know
If you run a business in Nigeria, you probably already know that every January comes with a new wave of …
The Role of Corporate Governance in Nigerian Startups
You’ve built your startup in Lagos, Abuja, or another Nigerian city. The product is ready, customers are coming in, but …
How to Build a Scalable Pricing Model for Your Products or Services
Setting the right price for your products or services can make or break your business. Too high, and you risk …
Why Startups Fail in the First Year: The Real Financial Reasons Most Founders Miss
Running a business is exciting, but the first year is also the most dangerous period for any startup. Founders often …
Manage Business Debts Without Killing Growth: How Founders Can Stay Profitable
Managing business debts feels overwhelming for founders and small business owners because every repayment affects cash flow. You want to …
The Truth About Financial Projections and Investor Confidence: How to Gain Investor Trust
Imagine pitching your business to an investor. You’ve rehearsed your speech, prepared your slides, and feel confident. Then comes the …
Smart Cost-Cutting Strategies for Startups During Inflation
Inflation can feel like an invisible hand tightening around your startup’s cash flow. Prices rise, profits shrink, and suddenly, every …
PAYE Calculation in Nigeria: A Clear Guide for Employers & Employees
PAYE calculation in Nigeria determines how employees’ income tax is deducted and remitted by employers. Understanding it is crucial for …
Multi-State Payroll Made Simple: How to Stay Compliant and Stress-Free
If you have employees scattered across the country, payroll can go from simple to stressful fast.Multi-state payroll brings unique challenges, …
Payroll Processing Software for Accountants | Simplify & Automate with Zaccheus
If you’re an accountant, you already know this truth: payroll can be a nightmare. Endless spreadsheets. Manual tax updates. Frantic …
Mastering Payroll Run in Nigeria: A Simple Guide for Stress-Free Salary Management
Picture this: It’s month-end in Lagos. Your employees are waiting for their salaries, your accountant is buried in spreadsheets, and …
Performance Culture: How to Build a High-Performing Workplace Culture That Lasts
Let’s be real, any company can talk about “culture,” but only a few actually create a workplace where people perform …
Mastering Income Tax in Nigeria: A Simple Guide for Entrepreneurs and Employees
Imagine earning your first big contract or your first salary raise, then realizing a portion of it goes to the …
Global HR and Payroll: A Complete Guide for Startups and SMEs Expanding Internationally
Global HR and payroll management has become a game-changer for Nigerian startups expanding across borders. Imagine your Lagos fintech is …
Consolidated Relief Allowance (CRA) in Nigeria: The Simple Tax Relief Everyone Should Understand
Taxes can feel confusing, right? Most people working in Nigeria have heard of the Consolidated Relief Allowance (CRA) but don’t …
How to Calculate PAYE on Salary (Simple Guide for 2025)
Learning how to calculate PAYE on salary in Nigeria is essential for every employee and business owner who wants to …
Payroll Management System: The Smarter Way to Pay Your Team
Imagine never worrying about PAYE deadlines, PENCOM penalties, or “Madam, my salary is short” WhatsApp messages again. A payroll management …
Applicant Tracking System (ATS) Explained Like You’re Talking to a Friend (Who’s Also Job Hunting)
ATS full form in HR? Applicant Tracking System , the robot that screens your CV before any human in Nigeria …
Automated Payroll Processing: Ditch the Spreadsheets and Reclaim Your Fridays
Let’s be honest, no founder ever started a business dreaming about payroll Fridays. Manually calculating hours, double-checking taxes, and praying …
Cost-Cutting Strategies for Startups During Economic Inflation
Inflation puts real pressure on startups. Costs rise, margins shrink and cash-flow can get squeezed before you know it. But …
How Fintech Apps Are Changing Business Banking in Nigeria
Business banking in Nigeria is undergoing a massive transformation. For years, startups and SMEs struggled with slow bank processes, rigid …
Cash Flow Statements Made Simple: A Founder’s Guide to Financial Clarity
As a founder, you probably track revenue, expenses, and growth metrics but the real risk for startups isn’t profitability on …
Simple and Powerful Ways to Automate Your Business Finances in 2025
Managing your business finances manually in 2025 is like using a typewriter in the smartphone era. It’s time-consuming, error-prone, and …
How the CBN’s New Monetary Policies Affect Small Businesses
If you’re running a small business in Nigeria you’re likely feeling the squeeze. With the Central Bank of Nigeria (CBN) …
How to Set Up a Tax-Compliant Business in Nigeria (2025 Guide)
Starting a business in Nigeria is exciting and full of promise, but the tax side can feel overwhelming. You might …
CAC: How to Effortlessly Register Your Business in Nigeria (2025 Guide)
Starting a business in Nigeria is exciting, but before you sell your first product or service, you need to legally …
Depreciation and Fixed Assets Explained
Ever wondered why your accountant keeps talking about “depreciation” or “fixed assets” and how they affect your profit? Here’s the …
End-of-Year Checklist for Nigerian SMEs to Stay Ahead in 2026
The end of the year is more than just holiday sales and staff parties, it’s the perfect time to assess …
Financial Health Check: Proven Ways to Keep Your Business Thriving
Running a business without checking its financial health is like driving blindfolded. You might be moving fast, but you have …
Data-Driven Decisions: Proven Ways to Drive Business Growth
In today’s fast-changing economy, gut feeling alone no longer guarantees success. Nigerian entrepreneurs now face tighter margins, unpredictable markets, and …
Why Financial Literacy Should Be a Priority for Entrepreneurs
Starting and running a business feels exciting, but one mistake can sink the dream: not understanding the numbers. That’s where …
Economic Uncertainty: Smart Ways to Protect Your Business
Economic uncertainty can feel like a dark cloud over your business. You might worry about rising costs, shifting customer demand, …
How Exchange Rate Fluctuations Affect Your Business Profit
Have you ever noticed how the price of a product changes when you buy it in another currency? One day …
Modern Accounting: How Technology Is Transforming Finance
Accounting used to mean stacks of paper, confusing spreadsheets, and long nights balancing numbers. Today, things are very different. Thanks …
5 Audit Triggers Nigerian SMEs Must Avoid
Every Nigerian business dreads the words “FIRS audit.” Whether you run a startup in Lagos or an SME in Abuja, …
Create a Financial Plan That Wins Investors
Getting investors interested in your startup takes more than a brilliant idea, it takes proof that your business can grow …
8 Common Tax Deductions Nigerian SMEs Often Miss
Running an SME in Nigeria means every naira counts. The last thing you want is to overpay tax simply because …
Smart Strategies to Stop Employee Expense Fraud Fast
Employee expense fraud can quietly drain your business’s finances and erode workplace trust. It happens when employees falsify or exaggerate …
Budget vs Forecast: What’s the Difference and Why It Matters for Your Small Business
Running a small business is like planning a road trip, you need a map. Financial terms like “budget” and “forecast” …
How to Build a Simple Invoice System That Saves You Hours and Boosts Your Cash Flow
Invoicing doesn’t have to be a time-sucking chore. As a small business owner or freelancer, you’ve got enough on your …
Common Bookkeeping Mistakes Non-Accountants should Avoid
Running a small business is exciting, but let’s be real: keeping track of finances can feel like wrestling a bear. …
Financial Red Flags Investors Notice Instantly
You only get one chance to impress an investor and your financials speak louder than your pitch deck. No matter …
Separating Personal and Business Finances: The Critical Step for Success
If you run a business or freelance gig, you’ve probably been tempted to “just use your personal card this one …
SME Grants and Funding Opportunities in Nigeria (2025 Update)
If you’re running a small or medium-sized enterprise in Nigeria, here’s some good news: 2025 is shaping up to be …
Smart Record-Keeping Habits That Make Audits Easy and Stress-Free
Let’s be honest, the word audit makes most business owners nervous. But here’s the truth: these reviews only become stressful …
How to Build a Financial Dashboard That Works
It’s one thing to collect financial data. It’s another to turn that data into insights your team can act on. …
The Ultimate Guide to Payroll in Nigeria [Avoid These Costly Mistakes with Gross & Net Pay]
Handling payroll in Nigeria can feel like navigating a maze. You might see big numbers on payslips, but what matters …
Hire an Accountant for Your Small Business: 5 Costly Mistakes to Avoid
Running a small business is exciting but let’s be honest, it can also be stressful when it comes to money. …
Expense Tracking Made Easy: 7 Free Tools Every Founder Should Try
Managing money shouldn’t feel like a full-time job. Yet for many founders, it does. Between card charges, invoices, and subscriptions, …
Proven Inventory Management Tips for Retail and E-commerce SMEs
Running a retail or e-commerce business is exciting until inventory starts draining your cash and patience. Overstocking eats capital; understocking …
The Difference Between Revenue, Profit, and Cash Flow: A Complete Business Guide
Running a business can feel overwhelming if you don’t fully understand how money moves through it. It’s easy to think …
The Founder’s Guide to Mastering Quarterly Budgeting: Plan, Predict, and Crush Your Targets
Every founder dreams of growth, but very few plan for it properly. That’s where quarterly budgeting comes in. If your …
10 Powerful Financial Metrics Every Business Owner Should Track for Success
Think you’re doing fine because there’s money in the bank? Not so fast.The real question is: Do you know what …
Why Every SME Needs a Business Bank Account (and How It Helps You Grow)
Have you ever juggled personal and business money in the same account and ended up with a confusing mess at …
Accounting Software for Growing Business: The Ultimate Guide to Choosing the Right One
If you’re running a growing business, you already know how fast things can get messy. The invoices pile up, cash …
7 Essential Facts About Business Registration in Nigeria: Cost, Timeline & Mistakes to Avoid
Starting a business in Nigeria is exciting until you hit your first roadblock: REGISTRATION Many entrepreneurs rush in, only to …
Free SME Cash Flow Template: 13-Week Rolling Model for Nigerian Businesses
Cash is the lifeblood of any business but for SMEs in Nigeria, maintaining liquidity is a constant challenge. One misstep …
Free Chart of Accounts Template Nigeria — Agencies, E-commerce & SaaS
If you run an agency, e-commerce store, or SaaS startup in Nigeria, you already know how messy bookkeeping can get. …
VAT Calculator in Nigeria: Inclusive vs Exclusive Pricing for SMEs
If you run a business in Nigeria, there’s a 99% chance you’ve asked this question: “Do I add VAT before …
Navigate WHT Confidently: The Essential Nigerian Withholding Tax Calculator & Filing Guide (2025
Imagine you pay ₦1,000,000 to a vendor. Do you know how much to deduct as withholding tax (WHT)? Many startups, …
PAYE Calculator in Nigeria: The Proven Way to Simplify Net Pay and Remittance
A PAYE calculator in Nigeria helps employers and accountants compute how much tax should be deducted from an employee’s salary …
Board and Cap Table Hygiene: Avoiding Common Cap Table Mistakes in Nigeria
What Is a Cap Table and Why It Matters in Nigeria A cap table, short for capitalization table, records who …