10 Small Businesses with Daily Cash Flow to Start in Nigeria

Ever since I started a brick and mortar business and failed, I've been more inclined to businesses that give daily cash flow.

According to Robert Kiyosaki, ''Cashflow is the name of the game'' and ''Cashflow is king''.

A business has more chances of dying if it is not making enough cash flow.

Some might argue that a business with high margin products or services can survive even when cash flow is not consistent.

Yes, that's right. But Cash flow has always been the proof that a business operation is in the healthy zone. So, why not aim for that?

Well, in this post, I'll highlight 10 small businesses with daily cash flow that you can start in Nigeria in 2025.

Who knows, you might just hit a gem if you start one.

Barbing Salon

I always believed that a barbing salon is one of the top small businesses that anyone can disrupt in Nigeria.

This is because despite a barbing salon being a healthy cash flow business, a lot of owners in Nigeria do not quite invest their best to provide customers with the best service.

So, you could start a barbing salon right now and start getting customers from day one if you set it up in a way that attracts customers.

Setting up with the basics like constant electricity, Air conditioner, Entertainment system (either music or TV), and good hair treatment products will put you in good course.

An average barbing salon of this standard will charge a minimum of 2,000 Naira and can easily make a daily net profit of 10k Naira, which translates to a monthly earning of 300k.

Okrika Window Shop

All the Jerseys that I've bought over the last 3 years were bought from an Okrika window shop.

I mean, I didn't plan to buy them but I got attracted just by seeing them hanging from the Okrika shop.

An Okrika window shop is set up in a way that customers can easily see the products and decide to buy.

That means most times, they are hanged on rails by the roadside, with the most attractive clothes put in front to attract customers.

This gives customers two propositions: they can buy products that they are sure they already like and these are products that are equally affordable.

I bought most of my Okrika Jerseys at least 3 times less than they were priced at normal shops or boutiques.

An Okrika window shop can be set up with less than 500k Naira. With each wear selling for between 2k and 5k, and profit margins ranging from 30% upwards, you can be making a minimum of 7k in pure daily profit.

Low-cost Vodka Shop

I have a female friend who was seriously cashing out with this business around 2022.

A low-cost vodka shop sells all kinds of affordable vodkas, such as those in sachets and small PET bottles.

This is one of the most hidden small businesses that can make you a millionaire in Nigeria due to the high turnover.

Minus the high profit margin per product, one customer might consume as much as 5 products in one sitting. And remember that customers often come in groups.

The only drawback in this business is that you have to be disciplined enough not to consume your own products as well as not tolerating customers excesses.

But on the good side, a low-cost vodka shop can generate a healthy cash flow. With this business, you could generate cash flow of up to 100k per day.

Petrol Black Market

I've always maintained that the fuel scarcity problem in Nigeria is not going away any time soon.

Even with the government intervention via fuel subsidy removal, the scarcity problem still pops up once in a while.

Hence, the petrol black market will continue to thrive and make money for savvy business people.

This business can be very lucrative if positioned in locations where other small businesses are clustered.

A good petrol black market shop should be located along a busy road that has other businesses in need of electricity, such as salons, restaurants, frozen foods, supermarkets, etc.

With petrol being sold about 1,200 Naira per liter, that's a 25% margin on what is obtainable in fuel stations.

A proper petrol black market seller can generate 100k per day in sales, and that translates to 25k in pure profit.

This is easily one of the most profitable small businesses anyone can do. The economics is simple and the margin is as high as you can get.

Fresh Fruits Mart

A fresh fruits mart is one of the best cash flowing small businesses you can start in Nigeria.

Not just for the cash flow but also for the profits.

If you've ever been to any fruits market in Nigeria, you'd be surprised how dirty cheap fruits are sold.

For example, a single mango fruit could cost as low as 5 Naira when bought in bulk at the fruits market.

But after washing the fruit and setting up shop, a fresh fruits Mart can sell that same mango for 100 to 150 Naira.

That's a profit of over 2000%!

Now, tell me which other small scale business in Nigeria can give that sort of profit margin.

I'll wait!

Phone Repair Shop

With mobile phones becoming more and more convergent with our lifestyles, a phone repair shop has now become an essential service.

If you've ever had a phone that needed repair, you'll know that feeling of wanting to just pay some money to have that issue fixed.

The good news is that it's not only you that has that feeling. Millons of phone users across the country are paying real money to get their phones fixed, and the market is growing as the years go by.

A phone repair shop which is obviously a service provider could make as much as 50k per day in pure profit if located in an area with good visibility.

Just like a barber shop, you could either learn the skill and start the business as a self-employed or invest in the business and hire a skilled professional.

Phone Charging & Accessories Shop

Just like the fuel problem in Nigeria, the electricity problem is not going away any time soon.

Power shortages will continue into the nearest future, and savvy businesses will continue to cash out.

A phone charging shop is a services business that can combine products such as phone accessories and mini electronics such as Bluetooth players and lightings.

If you could set up this business using an efficient solar energy system, the business will be more cost-effective.

Thankfully, there are several available solar energy solutions tailored for small businesses of this kind.

With charging a single phone costing as much as 200 Naira, a phone charging shop could easily be making a minimum of 5,000 Naira per day in profit.

Cooking Gas Station

A cooking gas station is an essential service, as it is fulfils our everyday need for food.

Hence, this is a very good daily cash flow business that will keep putting money in your pocket on a daily basis.

The business is quite capital intensive and you might need some time to learn the ropes in terms of safety practices before setting up shop.

A capital of about 800k Naira can set up a small scale gas filling shop with one or two 50kg cylinders and a weight scale.

A gas filling station like this can generate a daily cash flow of as much as 200k Naira if the business is located in a good location.

Real Estate Agency

It is common knowledge that the real estate industry in Nigeria is filled with all kinds of shady characters.

From fake agents looking to collect fees without providing any service, to fake property lawyers defrauding clients with forged property documents.

However, a real estate agency remains one of the easiest small scale businesses to start right now that can give good daily cash flow.

The best thing about this business is that the startup costs are minimal if any, and you don't need any special skills to get started.

As long as you can communicate effectively and be as professional as you can, you can run a successful real estate agency.

A real estate agency that stays active and is constantly advertising its services can make as much as 50k per day in agency fees and commissions.

POS Payment Service

Even though I don't believe that a POS payment service business is as lucrative as it used to be, it is still a very good cash flow business.

Minus the advantage that the business can be entrusted with cash by Individuals and businesses, you could make good money if you know how to utilize cash at hand.

The average POS payment service business located in a good area can be making as much as 10k Naira in daily profit.

However, profit in this business is not guaranteed. You'd have to find a suitable location and learn the art of moving cash effectively while navigating security hurdles.

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