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22 Businesses You Can Start Up With 20,000 – 50,000 in Nigeria



14 businesses You Can Start up With 20,000 - 50,000 in Nigeria
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The recent economic recession and the high unemployment rate in Nigeria have proven that waiting for government jobs is deadly. Entrepreneurship is the only way out if the economy must grow and its citizens survive the hard times. Government and World Bank loans have been disbursed through the various micro-finance and cooperative banks across the nation to service SMEs. These loans can also be difficult to grab too considering the number of pending applications, hence, you have to make do with the little you have or can generate through friends and family. You can always start from scratch and build your way up. Note that it is not going to be a stroll in the park, but it will be worth every sweat in less than no time. Read on to see 22 businesses you can start up with 20,000 – 50,000 in Nigeria.

Why waste your time as a graduate? Stop waiting for a job that might not satisfy your desired wealth when you can build your own empire from scratch.

The business ideas listed here may require certain skills to perform. Hence be sure to read through to know if you can carry it out. start something today.


STOP!!! “DREAMS” without “ACTION” is a “Nose” that can’t “Breathe”. The best way to predict your future is to create one.

Two years ago I lost my job but I bounced back 10 times over. Information is key, ACTION is the way.

I’m running a 30 minutes FREE “LIVE” training on WhatsApp today and tomorrow… where you will learn exactly how over 450,000 Nigerians have created their dream Income and lifestyle in this crazy economy.

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A list of 22 Businesses You Can Start Up With 20,000 – 50,000 in Nigeria

  1. Casual wear business
  2. Fast Food Joint
  3. Laundry Service
  4. Car wash
  5. Decoration business
  6. Fresh Fruit Business
  7. Nanny services
  8. Errand Services
  9. Fan milk business
  10. Yoghurt business
  11. Household business
  12. Minerals business
  13. Bakery business
  14. Sweet Food Business
  15. Raw foodstuff business
  16. Palm oil or vegetable oil business
  17. Detergent and soap business
  18. Pesticide and insecticide business
  19. Frozen fish Business
  20. Flour business
  21. Plantain Chips
  22. Phone Accessories Business


22 Businesses You Can Start up With 20,000 – 50,000 in Nigeria

See below 14 businesses you can start up with 20,000 – 50,000 in Nigeria:

1. Casual Wear Business

The cloth market in Nigeria is quite vast and encouraging. You can easily buy and sell casual wears with ease. With a startup capital of N5,000, you can start a casual wear business in Nigeria. You can buy casual clothing from Idumota market in Lagos, Ariaria in Aba (depending on your region) and sell it in your community.

2. Fast Food Joint

Take it or leave it, some food at a local canteen on your street is better than the ones served in many big eateries nationwide. I know of people who opened little food spots in Lagos, Calabar, Port-Harcourt, Aba and Uyo about 3 years ago and are cruising in their cars today. Just cook good meals, keep the environment clean, serve the food warm/well, and own a good attitude. You can starting a Fast Food Business with just N15,000. Stop wasting at home I repeat.

3. Laundry Service

Laundry business is another very lucrative business you can venture into. You can make at least N3,000 daily from ironing peoples cloths alone. My laundry guy charges N100 to iron one shirt or long pant and he is married and lives in a 2 bedroom flats not too far from my house. He not only irons, he washes cloths, duvet, blankets, carpets and so on. He also does home deliveries at a special price for the ones that are too lazy to come to his shop. The cost of starting a Laundry Service Business is about N18,000. What are you waiting for?

4. Car wash

The trick about this business is that you don’t really have to be the one washing the cars. If you have a space in front of your compound that is not in use and water outlet, why not start a car wash there. There are a lot of people looking for the job. You don’t have to pay them salary: just agree on a percentage and you are in business. All you need to buy are buckets, small bowls, hard brush, sponge, and detergent. All the above listed wont consume up to N10,000. Think about it. Note that to wash one car cost N500.

5. Decoration Business

If you think it is impossible to start this business with N45,000, call Wisdom on +2348032693269 and ask him to tell you how he started his Decoration Business in Port-Harcourt and later decorated the Abia State Government Office. You don’t need to have all the materials required, they are places to rent them from. You can decorate for event planners of occasions like traditional marriages, birthdays, school functions, political rally, carnival etc. This business required more effort than capital.

6. Fresh Fruit Business

Everyone is waking to the realization that fruit consumption can heal a lot of disease before they manifest properly. Hence, the increase in fruit consumption in the past five years. Buy a table, buy fruits, set a stand for yourself on the street and sell. I bet you people will buy them all and ask for more. Fruits like water melon, cucumber, orange, banana, and apple are in high demand. This is a good business to dive into. It will require about N20,000 to start; but you can increase it as the demand starts pouring in.

7. Nanny Services

Parents are getting more engaged than before and they need a trusted hand to take care of their little children. You can convert one empty room in your house to start up a Nanny business. So far you are good with children and have the patience then you are good to go. You will need to repaint the room to a bright colour that will light up the room, buy toys, and a bed, and few plastic chairs. Acquiring all these is below the N50,000 budget. Start it already!

8. Errand Services

Modern day communal living is the order of the day. You can see this is the erection of estates all over the cities around the country. This is mainly to improve living standards in the society. Most of these estates are so big but don’t make room for shops to be opened. They are designed to be purely residential, so that if you want to buy salt you will exit the estate to buy from the nearest retailer. This is a major problem as 80% of home owners are rich and can be lazy sometimes to go through this rigorous process. You can startup an Errand Service Business and take this stress upon yourself but at a fee.

This business required credibility, integrity, and smartness more than it requires capital. Also, You only need to buy a phone and sim, have a unique and easy name to go by, and market yourself business with trust.

9. Fan Milk Business

Thirst is usually ushered in by the dry season, and you can make a lot of money by becoming a fan milk retailer. You can purchase fan milk and sell it on roads with high human presence/activity. You can sell it to schools, worship centers, schools and so on. This product is on high demand during the dry season.

10. Yoghurt Business

Making Yoghurt is pretty easy. All you need is to acquire the ingredients, mix them properly and package it right. Just like that, you can become a yogurt distributor. You need about 15 – 20 as startup capital. Remember to make sure that you maintain uncompromising hygiene while at it.

11. Household Business

Selling household items is also lucrative and requires little capital. It is a business that can expand in no time if you work hard and develop trust with your customers. People are getting lazy to go shopping for household items and if you can provide quality ones to them you can make it big.

12. Minerals Business

The key to growing this business is patience and reinvestment. Becoming a distributor is pretty expensive, but you can also start small and grow into an empire. There are already existing distributors who have trucks selling to retailers in every street in the country. Buy from them, chill them with your refrigerator or buy ice block and chill them in a cooler. You can make a whole lot from selling minerals, especially in the dry season. Make sure you always maintain product availability by replacing the empties almost immediately.

13. Bakery Business

Baked food is a huge venture now. You can start a baking business with N15,000 and in no time you will realize your capital and profit from your house. In this business, you can make up to N2,000 or N3500 return back on your initial capital of N15,000. All you are required to do is prepare it right, package it right and market it right.

14. Sweet Food Business

Selling Sweet food products is lucrative enough for a business that requires just about N6,000 to start up. With the massive increase in schools all over Nigeria, the target market is as huge too. Students love sweet food products and will always buy from you. You can sell up to N5,000 – N7,000 daily by just selling products of 10 – 20 naira.

15. Raw Foodstuff Business

No matter the level of hardship in the country, people must eat. Start up a raw foodstuff business with N50, 000 and you will make about N5,000 weekly. All you need do is find a good location on a busy street. Note that, keeping the surrounding of your store clean is an additional incentive if you want many people to patronize you.

16. Palm Oil or Vegetable Oil Business

Selling oil is a lucrative business in Nigeria considering the fact that almost all the food we eat is made with oil. For palm oil, you can purchase it from the nearby market or travel to the nearest village to get it at a cheaper rate. To make much money from vegetable oil business, you will need a huge capital too. Notwithstanding, you can still start small and grow your way up the chain of distribution. Both businesses listed here can be done with a capital of N50,000.

17. Detergent and Soap Business

There are two lucrative options under this business you can pick from. Become a distributor or you produce detergent and soap by yourself at home. This business can lead to millions of Naira considering that soap is a necessity for everyone in the society. Detergent and soap are and will always be sort for year in year out.

18. Pesticide and Insecticide Business

On a daily basis, pest and insects are becoming resistance to existing pesticides and insecticides. Hence there are new pesticides and insecticides produced to still kill the creatures. If you can carry out a market survey and identify the new products that are more effective than the old ones, I will say you have made it. Just market it right to 5 people and watch the recommendations from them pour in. N3000 or N5000 is a good enough capital.

19. Frozen Fish Business

Meat can be expensive sometimes and the growing world healthy living programs support fish consumption over meat. Storage is mostly the problem associated with this business in Nigeria as electricity supply is low; but you can still start small. You can buy half cartoon of fish for a start and sell. If you have leftovers and there is no light to preserve it, smoke the fish and people will still buy it.

20. Flour Business

fast food is the order of the modern world of today and the main ingredient is flour. You can sell to housewives and individual that produce egg-roll, puff-puff, meat pie, pizza, shawarma and the rest. You can start this business with N50,000 as a sub-distributor or retailer in any part of Nigeria.

21. Plantain Chips

A two hundred naira plantain can fetch you at list four hundred naira profit in a space of 30 minutes. You can buy plantain from the nearest market and fry, package it properly and sell it by the street, in school or even distribute it to shop owners. People love to chew and plantain chips comes in handy at this moment.

22. Phone Accessories Business:

Every now and then someone needs a phone charger, an earpiece, screen guard etc. The list is endless and the capital to set this business up is quite affordable. You don’t need to open a stand in a popular tech market; just make sure the place is on a busy street and you will get people trooping in. You can even run a phone charging service simultaneously and increase your income stream.

Also Read: 


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STOP!!! “DREAMS” without “ACTION” is a “Nose” that can’t “Breathe”. The best way to predict your future is to create one.

Two years ago I lost my job but I bounced back 10 times over. Information is key, ACTION is the way.

I’m running a 30 minutes FREE “LIVE” training on WhatsApp today and tomorrow… where you will learn exactly how over 450,000 Nigerians have created their dream Income and lifestyle in this crazy economy.

In this training, you will learn “The Smart Boss Passive Income Strategy”, Principles of wealth creation, and Opportunity.

Click “INTERESTED” below to get access into the training group.




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Complete Phyto-Energizer – The 16,000 Phytonutrients Supplement



Complete Phyto-energizer
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Health is a balancing act and it is very essential to focus on health by providing our body with the complete and balanced nutrients that it needs daily. Complete Phyto-Energizer, a food supplement approved by FDA is a simple and easy way to perform this balancing act efficiently.

Complete Phyto-energizer is the most nutritionally dense food concentrate in the world market today. It contains the most number of anti-oxidants with approximately 16,000 phytonutrients in one product. The ingredient of Complete Phyto-energizer works in “synergy” to produce the maximum result for your body, making it the most potent anti-oxidant product in the history of supplementation.

It introduces a new concept in food supplements taken for daily health and energy through a wider range of distinctly balanced nutrients that provide the crucial health value from three important areas: daily essentials, botanical energizers and system defenders that include antioxidants.

Since it has no anti-aging and longevity polyphenols, it is recommended for children, complete phyto-energizer for pregnant women and nursing mothers. This is a breakthrough product because of its perfect blend of a number of vitamins and minerals along with whole fruit and vegetable juice blends, healing mushrooms, amino acids, digestive enzymes and essential fatty acids which can reverse over 100 ailments and diseases. 

complete phyto-energizer for pregnant women

Complete Phyto-Energizer is specially formulated for easy digestion and absorption into the bloodstream. Even the capsule breaks up quickly in the digestive tract. In comparison with other supplements, Complete V-Caps completely disintegrate in 15 minutes or less (the proper time to ensure absorption by the body). Other brands take up to 5 times longer.


Complete Phyto-Energizer Ingredients

  • 16,000 Phytonutrients and Anti-oxidants
  • 29 Vitamins / Minerals / Trace Minerals
  • 12 Whole Fruit Juice Blend
  • 12 Whole Vegetable Juice Blend
  • 18 Amino Acids
  • 14 Super Green Foods / Spirulina Blend
  • 12 Mushrooms
  • 12 Digestive Enzymes
  • 12 Herbs & Specialty Nutrients
  • 10 Essential Fatty Acids



Health Benefits Of Complete Phyto-Energizer

complete phyto-energizer health benefit

As a cleanser, healer, and energizer, Complete Phyto-energizer strengthens the body to protect itself and fight against a wider range of physiological conditions that lead to ailments such as hypertension, diabetes, and cancer, among others. Read further to see complete phyto-energizer uses below:

  1. Lowers cholesterol level
  2. Protects against heart disease and complications
  3. Helps prevent cancer of any origin
  4. Controls high-blood pressure
  5. Controls blood sugar
  6. Enhances, nourishes, strengthens and balances the immune system
  7. Rejuvenates the skin
  8. Promotes healthy blood circulation and cell regeneration
  9. Detoxifies the body
  10. Enhances sexual vitality
  11. Prevents degenerative diseases like arthritis and rheumatism
  12. Reduces the toxic effect of chemotherapy and radiation
  13. Increases your energy and strength
  14. Protects your precious DNA and RNA
  15. Relieves headaches and dizziness
  16. Maintain healthy gums
  17. Inhibit tumor growth
  18. Supports your liver
  19. Get better sleep
  20. Improves your vision
  21. Makes you look and feel younger
  22. Improves digestion and fertility
  23. Improves your lymphocyte count
  24. Treat menopausal symptoms
  25. Prevents morning sickness
  26. Protects children’s health
  27. Alleviate anxiety and stress
  28. Prevent allergies
  29. Resist disease
  30. Support kidney health
  31. Improves your memory
  32. Helps chronic dry cough
  33. Builds strong blood
  34. Inhibit lipid peroxidation
  35. Present allergies
  36. Resist disease


Manufacturers of Complete Phyto-Energizer

Complete Phyto-Nutrients is manufactured by Nature’s Way, a billion dollar company in Springville, Utah, USA. Nature’s Way has over 50 years of research and development of herbal and nutritional science that made the company a recognized leader among all the nutritional and supplement companies in America.

Making its mark as the pioneer of many breakthroughs in the advancement of good health and the supplement industry, Nature’s Way is known for its green leaf logo which represents health, life, and nature. The company prides itself in the dedication to manufacturing the finest products that consumers have attested to when they “trust the leaf” each time they buy and use Nature’s Way products.

ENHANCED WITH VCAPS: complete phyto-energizer V-caps


A Food Supplement for a Complete and Balanced Health

This phytonutrient supplement mainly focuses on providing consumers with vital and essential nutrients required by the body to maintain a general well-being. Researches have proved that this dietary supplement strengthens and balances the immune system. It also promotes regeneration of cells and detoxifies the body which helps in maintaining overall health and fitness.


Also Read: C247 Natura-Ceuticals – The Next Generation Food Supplement


Complete Phyto-Energizer is Recognized By

  • Food and Drug Administration Philippines


complete phyto-energizer Uses



Complete Phyto Energizer Dosage

Complete Phyto Energizer is to be taken 3 capsules daily.


Complete Phyto Energizer Side Effects

There is no recorded side effect(s).

Complete Phyto-Energizer is currently in stock.


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C247 Natura-Ceuticals – The Next Generation Food Supplement



C247 Natura-Ceuticals
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The balanced and collaborative effects of C247 NATURA-CEUTICALS’ ingredients, and its formulation and proprietary manufacturing process, makes C24/7 a much better product when compared to other natural products in today’s modern market. C24/7 contains 140 components in every single capsule.

C247 Natura-Ceuticals - The Next Generation Food Supplement

C247 Daily Essentials Ingredients

29 Vitamins / Minerals / Trace Minerals
18 Amino Acids
14 Super Green Foods / Spirulina Blend
12 Whole Fruit Juice Blend
12 Whole Vegetable Juice Blend
12 Mushrooms
12 Digestive Enzymes
12 Herbs and Specialty Nutrients
10 Essential Fatty Acids
5 Anti-Aging / Anti-Oxidant Enhancer
4 Longevity Polyphenols / Mega-Resveratrol Blend

Longevity Polyphenols

Japanese knotweed
Premium Red Wine Extract
Grape Seed Extract (95% Polyphenols)
Concentrated Red Wine Powder

Anti-Aging Anti-Oxidant Enhancers

Cystein HCl (98%)
Concentrated Grape Skin Extract
Green Tea (95 % EGC Polyphenols)
Co-Enzyme Q10

Supplement Facts

Below are the technologies used in producing C24/7:


A powerful complex of natural Alkaline ingredients designed to enhance the Alkalinity of this formulation and also protect and neutralize possible acid damage when it reaches the stomach. Thus preserving the purity and potency of this breakthrough NATURA-CEUTICALS.


Embodies the Science & Technology of the Combined Complimentary and Synergistic Effects of Nature’s Most Powerful elements and Phyto-chemical Nutrients. It has been proven over the years that many antioxidants are better taken with other anti-oxidants providing a more enhanced effect as compared to taking them alone.

C247 Natura-Ceuticals - The Next Generation Food Supplement

It’s ROUND-THE-CLOCK NUTRITION. #1 Absorption: C247 nutrients are better absorbed into the bloodstream because its Vcaps disintegrate up to 5x faster than other leading brands.

C247 Natura-Ceuticals - The Next Generation Food Supplement

Health Benefits of C247

  • Promotes longevity
  • Lowers cholesterol level
  • Protects against heart disease and complications
  • Helps prevent cancer of any origin
  • Controls high blood pressure
  • Controls blood sugar
  • Enhances and balances the metabolism
  • Increases the production of inherent glutathione in our body
  • Rejuvenates the skin
  • Regenerates liver cells
  • Promotes healthy blood circulation
  • Detoxifies the body
  • Reduces fatigue, depression, and anxiety
  • Enhances sexual vitality


30 Vegetable Capsules


C24/7 Side Effect

There are no side effects while using C24/7.


Manufactured by Nature’s Way, Springville Utah



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Fully Formatted Payroll – Free Payroll Download




Free Payroll Download
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Are you an HR, an Accountant, or maybe a business owner? Do you have difficulty calculating your staff salaries and tax? Maybe salary documentation is a major task for you. Does keeping track of monthly salaries, deductions, and tax return stress you out?

Well, here is a perfect solution to all of that. Guess what? You can download it for FREE!

This post is dedicated to those in need of a working payroll sheet that automatically breaks down salary into the statutory parts, calculates pension, calculates PAYE, subtracts PAYE it to give your Net Salary by simply typing in the gross salary of the staff.

The sheet is well formatted to automatically calculate everything without manual manipulations. Simple type in the gross and it will do the rest.

To automatically download the free version of the payroll, kindly fill the form below.


Also Read: MBA Scholarships at University of Sussex in UK – International Students


Auto Payroll Sheet


Have you read the Terms of Use and Disclaimer?



The pension and tax calculations on this payroll sheet only apply to Nigerian Pension and Tax Laws only.


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Terms of use
This product is offered to you conditioned upon your acceptance without modification of the terms, conditions, and notices contained.

Disclaimer will not be held responsible for any alteration made on this document after download. will not be liable for any criminal use of these document to commit any crime.

This product is offered for free, do not pay anything to anybody to purchase this product.


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