Stop locking up all your
cash in goods at sea.
We fund 70% of your import order. You keep your cash working. Zero repayment for 60 days while your container sails.
70%
Funded by Utopie
30%
Your equity upfront
60 Days
Zero repayment
The Process
Five steps. One shipment.
Your cash stays free.
You Apply
We review 12–24 months of your bank statements. No property collateral needed. Your track record is your qualification.
You Pay 30%
Deposit your 30% equity. Utopie pays your supplier to start production. The bank puts in nothing yet.
We Inspect — Then Fund
Our team physically verifies your goods at the overseas factory. Only then do we release the 70% facility — straight to your supplier. No diversion possible.
Goods Sail — You Rest
Your container is insured and on the water. You owe nothing for 60 days. This is your breathing room.
Goods Arrive — You Sell & Repay
We clear your container through Nigerian customs. You collect. A percentage of your daily POS sales automatically pays down the facility. No manual transfers.
Real Example
The numbers on a ₦50M import order
At ₦1,400 per $1 USD
| Item | You Pay | We Fund |
|---|---|---|
| Total landed cost (goods + freight + duty) | ₦50,000,000 | — |
| Your 30% equity contribution | ₦15,000,000 | — |
| Utopie TradeFi facility (70%) | — | ₦35,000,000 |
| Repayment moratorium | ₦0 for 60 days at sea | Covered |
| Repayment method | Auto daily POS sweep | 3–12 month tenor |
Your 30% equity is not a fee— it's your capital, returned as profit when your goods sell. Every cost is agreed in writing upfront. No hidden fees.
Who Qualifies
- Importing for at least 12 months
- Can provide 12–24 months of bank statements
- Import non-perishable goods — FMCG, electronics, machinery, raw materials
- Minimum order size of ₦20M total landed cost
No property collateral required.
What It Costs
- Credit interest: On the 70% facility — agreed at onboarding
- Customs clearance: Fixed fee per container based on goods type
- Sourcing fee: Fixed per order if you use our procurement service
- Hidden fees: None — every cost agreed in writing upfront
Proof of Work
We have done this before.
Completed Utopie procurements — not projections.
>$65,000
General Merchandise
Sourced, verified, paid overseas, customs cleared, delivered in Nigeria.
$55,100
Agricultural Machinery — Ogun State Factory
Sourced, shipped, cleared (CRFFN: RFFc160358) and installed at client's factory.
Confirmed
School Playground Equipment
Sourced and delivered to institutional client.
Ready to import smarter?
Apply today. Our team will review your bank statements and get back to you within 48 hours.