The SokoClick Blog
Trader playbooks, product notes, and stories from the community.
Banking & Credit Readiness13 min read
Anatomy of a Commercial Loan Application: What Nigerian Credit Committees Actually Look For in SME Financials
Banks do not lend against optimism. They lend against verified cashflow. Learn the DSCR formula, why unrecorded cash box revenue disqualifies you, and the four documents every loan pack needs — with worked examples in Naira.
Supply Chain & Working Capital14 min read
The Mathematics of Dead Stock: How to Calculate True Carrying Costs and Protect Working Capital
Stock that does not move is cash that is quietly depreciating. Learn the turnover ratio, the ABC classification, the re-order point formula and a 60-day liquidation protocol — with worked examples in FCFA.
Cashflow & Treasury14 min read
How to Manage Business Income and Expenses When Cash and Mobile Money Collide
A daily reconciliation routine for merchants whose sales arrive as cash, MTN/Orange Money and bank transfers — plus the one habit that keeps a profitable business from missing payroll.