Know exactly what your Nigerian business owes — before the fine arrives.
Answer 4 simple questions about your stage, staff count, and sector. Clearance stamps out a custom regulatory dossier built for your company — not a confusing 50-page government gazette.
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Live Sample Dossier
Growth StageTech Startup (6 staff, ₦60M Turnover)
This business crossed the ITF threshold without realizing it. Having 5 staff or ₦50M turnover triggers mandatory annual filing with the Industrial Training Fund.
The Cost of Unchecked Compliance
Why Nigerian businesses get caught off guard
Avoid penalties before regulators audit
5 Staff or ₦50M
Crossing either threshold triggers mandatory 1% payroll contribution and a 5% monthly compounding default fee.
0% Rate Tier
Under the 2026 reform, qualifying small businesses pay 0% CIT, but missing annual nil-returns still leads to penalties.
₦10M+ Fines
Collecting customer phone numbers, emails, or KYC without basic data governance risks severe NDPC enforcement.
PND Orders
Regulators regularly freeze corporate bank accounts of companies with delinquent CAC annual returns or tax defaults.
The Smart Compliance Checklist Engine
Nigerian business laws are fragmented across dozens of separate agencies — CAC, FIRS/NRS, ITF, NSITF, NHF, NDPC, and state revenue services.
Our engine evaluates your business specifics in seconds and generates an actionable clearance dossier showing what is strictly required, what needs verification under the 2026 reform, and how to remedy missed deadlines.
Must be filed by 30th June every year after incorporation to prevent inactive status.
Covers workplace accident compensation for all formal employees.
Mandatory data audit filing for entities processing customer personal data.
Estimated Net Tax
₦214,000
Effective: 6.1%
Take-Home: ₦3.28M
2026 Nigerian Tax Reform Calculator
Nigeria's new fiscal tax legislation completely overhauls individual brackets, company income tax thresholds, rent relief, and development levies.
Estimate your exact Personal Income Tax (PIT) or Corporate Income Tax (CIT) in real time. Model your statutory deductions, assess small business 0% exemptions, and know your rights before filing.
Sector Documents & Licensing Directory
Beyond standard company registration, virtually every industry in Nigeria requires special permits — from CBN and SEC licenses in fintech to NAFDAC in health, or local trading permits for physical commerce.
Explore comprehensive regulatory profiles across 11 key industries, complete with required documents per stage, legal benefits, and consequences of operating uncertified.
CBN PSP / PSSP Approval in Principle
Essential for payment processing; avoids shutdown or blacklisting of partner bank integrations.
Digital Lending Registration
Protects against app store removals, payment gateway freezes, and enforcement actions.
CAC CRP Portal
Company registration & Annual returns
NRS / FIRS TaxPro-Max
TIN generation, CIT & VAT filing
LIRS eTax System
State PAYE & Individual Direct Assessment
ITF Payment Gateway
1% payroll training contribution
Portals & Nearest Office Locator
Middlemen agents often charge exorbitant markups for basic self-service filings. Worse, spoofed phishing portals mimic government sites to steal banking details.
Access official, encrypted `.gov.ng` endpoints or use our GPS proximity locator to pinpoint the nearest physical CAC, NRS/FIRS, State IRS, and ITF branches closest to you.
Plain-English Compliance Blog
No legal jargon, no impenetrable legalese. We break down the exact laws that trip up Nigerian founders, starting with the myth cleared up first.
Learn why a Business Name won't protect your personal savings, how to handle the ITF 5-staff rule, and what the 2026 fiscal amendments actually mean for your bottom line.
Common Questions
Frequently Asked Questions
Clear answers to the questions founders and finance leads ask most.
Do I need to register for ITF if I have fewer than 5 staff?▾
If you have fewer than 5 staff AND your annual turnover is under ₦50M, ITF is not mandatory. However, once your turnover hits ₦50 million or your payroll reaches 5 employees (including regular contractors), registration is strictly required by law.
Are small businesses really exempt from Companies Income Tax (CIT)?▾
Yes, companies qualifying as 'Small Companies' under the 2026 fiscal framework enjoy a 0% CIT rate and exemption from the Development Levy. However, you must still file annual tax returns and register for VAT if applicable.
What is the biggest mistake founders make when registering a Business Name vs Ltd?▾
Business Names (Part B) carry unlimited personal liability — your personal assets can be seized for business debts. Furthermore, institutional investors, enterprise clients, and certain tech licenses (like CBN PSP) require an Incorporated Company (Ltd).
Is Clearance a law firm or tax agency?▾
Clearance is a free compliance intelligence platform designed to decode Nigerian regulatory obligations into plain-English checklists. We provide direct links to official government portals so you can file yourself or verify what your consultants are doing.
Get Compliant In Minutes
Protect your business before the next audit cycle.
No legal fees, no government delays, no surprise fines. Generate your custom clearance checklist now.