Gift Adah
Contributor at Zaccheus
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 …
Pioneer Status Incentive: Do You Qualify and How to Apply (Pioneer Status Nigeria Application)
What Is the Pioneer Status Incentive in Nigeria? The Pioneer Status Incentive (PSI) is one of the most powerful tax …
How to Build a Killer Nigerian investor update template With Real Metrics: Nigerian Investor Update Template
Most Nigerian startup founders struggle with one simple task that can make or break their fundraising journey sending a great …
Accounting for Startups in Nigeria: Proven Strategies from Pre-Seed to Series A
Every startup in Nigeria dreams of scaling fast, but sustainable growth begins with strong financial foundations. Whether you’re at the …
Be Due Diligence Ready: The Finance Data Room Checklist for Startups
You’re about to raise funding. The investor seems interested. Then comes the dreaded phrase: “Can you share your financial data …
Tax Planning for December: Avoid January Panic with Smart Year-End Strategies in Nigeria
Every December, Nigerian business owners feel the same anxiety creeping in. Tax season is approaching, receipts are scattered, and accountants …
Unlock Hidden Profits: How to Track Project Profitability Without Spreadsheets in Nigeria
If you’re a startup founder, freelancer, or small business owner in Nigeria, you already know how difficult it can be …
Get Paid Smarter: The Best Way to Get Paid as a Freelancer in Nigeria
Getting paid as a freelancer in Nigeria can sometimes feel like a hustle of its own. Between delayed bank transfers, …
7 Powerful Tips to Invoice Like a Pro in Nigeria (Free Templates Included)
You’ve done the work, sent the deliverables, and now you’re waiting to get paid. Sound familiar?Many freelancers and small business …
5 Powerful Steps to Connect Wave to Zaccheus and Auto-Categorize Expenses
Managing freelance or small-business finances can be overwhelming especially when you’re juggling invoices, payments, and endless receipts.If you’re already using …
Smart Tips for Freelancer Taxes in Nigeria: The Ultimate VAT & PIT Guide
Freelancing offers flexibility and control, but it also brings the responsibility of managing your own taxes. Miss a deadline or …
Cash Flow Forecast Template For Nigerian Businesses
Cash flow forecast template is more than just a spreadsheet, it’s the heartbeat of every thriving business. Many Nigerian SMEs struggle …
Reduce POS Fees: Expose the Hidden Charges Eating Your Profit
If you run a business in Nigeria, you’ve probably noticed that every bank transfer, withdrawal, or POS transaction comes with …
Master Pricing Services in Nigeria: 5 Ways Zaccheus Helps You Earn What You Deserve
Pricing services in Nigeria is one of the hardest parts of running a business, whether you’re a freelancer, consultant, or …
The Ultimate Startup Runway Calculator in Nigeria: 5 Ways to Read Your Runway & Burn Alerts with Zaccheus
Every startup founder in Nigeria knows this fear: How many months can we survive on current cash?That fear turns into …
5 Powerful Unit Economics Nigeria Startups Must Master for Profit
If you’re a Nigerian founder, you already know how hard it is to grow a business here. Between unstable exchange …
Xero Nigeria: 7 Proven Insights on What Works, What Breaks, and How Zaccheus Fixes It
Many Nigerian SMEs and startups are turning to cloud accounting tools for efficiency and scalability. Among them, Xero often comes …
How to Import Transactions into Excel [2025 Guide]
Importing transaction data into Excel remains a powerful method for business owners, accountants, and finance professionals to analyze cash flow, …
QuickBooks Chart of Accounts in Nigeria: The Ultimate Guide for Smart Business Owners (2025)
If your business in Nigeria uses QuickBooks (Online or Desktop), setting up a proper QuickBooks chart of accounts is essential. …
Smart Ways to Reduce Payment Gateway Fees in Nigeria and Boost Profit (2025 Guide)
Introduction If you run an online business in Nigeria, you’ve probably noticed how payment charges add up quickly. Learning how …
Avoid Penalties: When to Remit Withholding Tax in Nigeria (2025 Deadlines)
If you run a business or work as a freelancer in Nigeria, understanding withholding tax and keeping up with the …
VAT Rate in Nigeria 2025: Full Breakdown and New Tax Rules
VAT rate remains at 7.5%, continuing from the rate introduced in 2020. However, new reforms in the 2025 Tax Act …
CAC Annual Returns: Complete 2025 Filing Guide for Companies & Business Names
The CAC Annual Returns Deadline 2025 is fast approaching, and many Nigerian business owners are still unsure when and how …