BizBooks Insights
Money, tax and payroll for Nigerian companies, explained plainly.
Practical guides updated for the 2026 tax rules, written for owners and finance leads who'd rather run the business than decode tax law.
Getting paid & cash flow
Invoices, deposits and collections that keep cash coming in.
- 3 min
Cash flow forecasting for service companies (13-week method)
How Nigerian agencies and service firms can build a simple 13-week cash flow forecast: opening cash, expected receipts, payroll, fixed costs, taxes, and how to act on the result.
- 4 min
Payment reminder email templates (from polite to firm)
Ready-to-use payment reminder emails for Nigerian businesses: before the due date, on the due date, 7, 14 and 30 days late, a final notice, and a WhatsApp version, plus subject lines that get opened.
- 3 min
Paystack vs Flutterwave vs bank transfer for B2B invoices in Nigeria
Comparing Paystack, Flutterwave and direct bank transfer for collecting invoice payments from Nigerian clients in 2026: fees, caps, settlement, reconciliation and when to use each.
- 3 min
Retainer billing for agencies: pricing, contracts and invoicing in Nigeria
How Nigerian agencies and consultancies should structure retainers: pricing models, what to put in the retainer agreement, billing in advance, scope creep, VAT and WHT, and automating monthly invoices.
- 4 min
How to get clients to pay on time: a collections playbook for Nigerian agencies
A practical playbook for agencies and consultancies chasing late payments in Nigeria: prevention in the contract, a reminder schedule, message templates, escalation steps and what to do past 90 days.
- 4 min
How to write a professional invoice in Nigeria (VAT invoice checklist)
What a Nigerian company invoice must include in 2026: TIN, RC number, client PO, VAT at 7.5%, WHT, amount in words and bank details. Includes a checklist and an example layout.
- 3 min
Mobilisation fees and deposits: payment terms that protect Nigerian agencies
How much deposit or mobilisation fee to charge on projects in Nigeria, how to structure milestone payments, how VAT works on deposits, and how to credit deposits on the final invoice.