Chapter 1 — How the Platform Works
Chapter 1
How the Biznez Klinik Workstation Works
Before you touch any form, understand the system. This chapter explains what the platform actually is, how the money works, and why agents using it earn more than those who don't.
🤔 What is the CAC?

The Corporate Affairs Commission (CAC) is the Nigerian government agency that handles all business registrations in the country. If someone wants to officially start a business in Nigeria — whether it is a sole trader, a company, or a charity — they must register it with the CAC.

As a Biznez Klinik agent, your job is to help people register their businesses and handle compliance requirements with the CAC. You collect their information, use the platform to prepare and submit the application, and they pay you for the service. The platform handles the technical complexity.

💡
Think of it this way: You are like a professional accountant who helps people file their tax returns. Except instead of taxes, you are filing business registrations — and the Biznez Klinik platform is your specialist tool that makes the process faster and more professional.
💰 How You Make Money

Here is the simple version of how the money works:

1
A client comes to you wanting a business registration
Maybe they want a Business Name, a Limited Company, or an NGO. They need the official certificate and CAC documents.
2
You quote them your price and they pay you directly
You set your own retail price. Your client pays you — not Biznez Klinik. The money goes straight to you, immediately.
3
You use the platform to submit the job and pay the base fee
The platform charges a fixed base fee per service, which covers CAC government charges plus our platform commission. This is deducted from your wallet.
4
The platform files with CAC and tracks the progress
You can see the live status of every job on your dashboard. When CAC approves it, you are notified.
5
Your profit is the difference between what you charged and the base fee
That gap is 100% yours. We never take a percentage of your markup.

📊 Real Example: Business Name Registration

Platform base fee (covers CAC charges + our commission)₦14,000
Your retail price to your client₦25,000
Client pays₦25,000 → directly to you
Your Profit Per Job₦11,000
ℹ️
You are free to charge your clients more than the examples above. The market-average prices shown are starting points. As your reputation grows and your service looks more professional, you can — and should — charge more.
🗺️ Your Modules at a Glance
ModuleWhat it does
DashboardCommand centre with three tabs: Performance Analytics (KPIs, charts, urgency feed), Service Pricing Manager (set your own retail prices per service), and Official Fee Schedule (CAC statutory fees and penalty schedule).
RegistrationsCreate and track every CAC filing job. Has three tabs: Job Tracker (your live pipeline), New Registration (BN, LTD, NGO), and Post-Incorporation (all change/compliance services).
ClientsAdd and manage all your clients and control their branded portal access.
DocumentsSecure document vault — upload, organise, and share certificates and filings with clients via time-limited secure links.
RemindersAnnual Returns tracking and automated compliance reminder system — sends alerts from your branded portal to clients on your behalf.
InvoicesGenerate and send branded professional invoices to clients.
EarningsView your commission history, monthly profit breakdown, and referral earnings.
ReferralsManage your sub-agent and referrer network, track commissions, and request payouts.
ProfileYour KYA agent profile, assessment quiz record, and verification status.
SettingsAgency branding, notification preferences, 2FA security, and Annual Returns pricing tiers.
💡
Your three most-used areas will be Registrations (daily job work), Dashboard (your numbers), and Reminders (your recurring income). Get comfortable with those three first.
Quick Check
A client pays you ₦35,000 for a Business Name registration. The platform base fee is ₦14,000. How much profit do you keep?
🎉
Chapter 1 Complete!
You now understand how the platform works and how you get paid. Let's set up your workspace.
Chapter 2
Your Dashboard & Agent Profile
Your first login. What you see, what it means, and how to set up your professional profile before you take on any clients.
🔑 Logging In

Go to app.biznezklinik.com and click Agent Login. Enter your email address and password. If it is your very first login, you will be asked to set a new password.

⚠️
Important: Never share your password with anyone — not even Biznez Klinik support staff. Our team will never ask you for your password under any circumstances.
📊 Reading Your Dashboard

When you log in, you land on your dashboard. This is your central control screen. Here is what each part means:

Dashboard TabWhat it shows
Performance AnalyticsGreeting bar with your name, current date, and week number. Five KPI cards: Active Jobs, Submitted to CAC, Approved This Month, Monthly Turnover, Needs Attention. Bar chart (monthly job volume) + doughnut chart (service mix) + Urgency Feed + Recent Activity log.
Service Pricing ManagerSet your own retail price per service type. The platform shows you the base fee; you enter your markup above it. A margin calculator shows your profit per job in real time.
Official Fee ScheduleRead-only view of current CAC statutory fees and the BK penalty schedule for late Annual Returns. Use this to show clients exactly what non-compliance costs them.
💡
Make it a habit: Check your dashboard every morning. The Urgency Feed will tell you if anything needs your attention that day. Missing a CAC query notification can delay your client's job.
🏢 Setting Up Your Professional Profile

Before you add your first client or file your first job, set up your agent profile. This is what your clients will see when they access their portal — so it needs to look professional.

Go to: Profile (in the left sidebar)

Complete each of these fields:

  • Agency Name — the trading name your clients will see on their portal and invoices. Use your business name, not your personal name.
  • Agency Logo — upload your logo (PNG or JPG, preferably square-shaped). If you don't have a logo yet, a text-based one works too.
  • Brand Colour — pick a colour that represents your brand. This will appear as accents on your client portal.
  • WhatsApp Number — the number clients will contact you on. Make sure it is linked to an active WhatsApp account.
  • Office Address — your business address. Even if you work from home, having an address makes you look established.
  • Welcome Message — a short, warm greeting shown to clients when they first log into their portal. Example: "Welcome! We're glad to handle your business registration needs. Reach us any time on WhatsApp."
  • Agency Slug — your unique web link. If your agency is called "Prime Consults", your slug might be "prime-consults", giving you a link like biznezklinik.com/portal/prime-consults/.
  • RC / BN Number (optional) — your own business registration number if you operate as a registered entity
  • Social media links — Instagram, Twitter/X, Facebook, LinkedIn (optional but builds client confidence)
💡
A fully completed profile makes your portal look like a serious, established firm. Clients who see a professional branded portal rarely question your price — they assume you are worth it.
👛 Your Agent Wallet

Your wallet is the account that holds money you use to pay for job submissions. Before you can submit any job to CAC, you need to have enough balance in your wallet to cover the base fee for that service.

ActionHow to do it
Top up your walletGo to Wallet → Fund Wallet. Choose your amount and pay by card or bank transfer via Paystack.
Check your balanceAlways visible on your dashboard. Also found in full detail under the Wallet section.
See transaction historyEvery debit (when you pay for a job) and every credit (when you top up) is recorded with dates and references.
⚠️
Always maintain a buffer. If your wallet balance is too low when you try to submit a job, the job will stay in Draft status and your client will be kept waiting. Keep at least ₦50,000 in your wallet at all times when you are active.
🎓 Agent Score & Verification

Before you can go fully live and start processing client jobs, you must complete a short assessment quiz. This is how the platform verifies that you understand the compliance process well enough to represent clients professionally.

Go to: Profile → Assessment tab

ItemWhat you need to know
Pass markThere is a required pass mark. You must score above it to receive Verified Agent status.
Retake policyIf you do not pass, the platform shows you the earliest date you can retake. Do not guess — study the manual first.
Verified badgeA "Verified Agent" badge appears on your profile once you pass. Clients can see this badge when they access their portal.
Why it mattersSome higher-value job types are only fully accessible once you hold Verified status.
💡
Read this entire training manual before sitting the assessment. Every question is drawn from the content covered in these chapters.
Chapter 3
Managing Your Clients
Every job must be linked to a client. This chapter shows you how to add and manage clients, and how to give them a professional portal experience that builds trust and referrals.
👤 What Is a "Client"?

In the platform, a client is any person or organisation you are doing work for. Before you can create a job, the client must exist in your client list. Think of the Clients section as your digital address book — except it also links to every job and document associated with each person.

Adding a New Client

Go to: Clients → Add New Client

You will need the following basic information:

  • Full name — of the individual client, or the main contact person if it is a company
  • Phone number
  • Email address — optional, but required if you want to activate their client portal
  • Client source — how they found you (walk-in, referral, social media, etc.). This helps you track what marketing is working.
🔒 The Client Portal — Your Secret Weapon

This is one of the most valuable features on the platform, and many agents don't use it. Every client you add can be given access to their own private, branded portal — a secure web page where they can see all their documents, certificates, and job progress.

What clients see in their portalWhat clients cannot see
All their certificates and official CAC documentsYour pricing or profit margins
The current status of all their jobsAny information about other clients
Their invoicesThat Biznez Klinik is behind the system
A log of when they accessed which documentAny back-end platform features
💡
How to activate: Open the client's profile and toggle on "Grant Portal Access". They will receive an email with a login link. Your agency name, logo, and brand colour appear throughout — not Biznez Klinik's.
💡
Clients who have a professional portal are far less likely to WhatsApp you every day asking "has it been approved?" They can check themselves. You get more peace, and they feel more in control.
🏷️ Client Tags

You can tag each client to help you sort and filter your list. Available tags include:

SME Tech Religious VIP Delinquent

Use the Delinquent tag for clients who have overdue Annual Returns or unpaid fees. This helps you filter them quickly when you are ready to chase them up.

Chapter 4
Business Name Availability Search
The very first step for any registration. Always check if a name is available before you accept a job or collect any payment from a client.
🔍 Why This Step Is Mandatory

The CAC will reject a business name if it is the same as, or too similar to, a name that already exists in their register. If you skip this step and your client's chosen name turns out to be taken, you will have to start over — wasting time, causing frustration, and risking your reputation.

Always run a name search before you collect payment and before you start filling in any forms.

🚫
Never promise a client their chosen name is available until you have confirmed it in the platform. Even if the name sounds unique, similar names may already exist. Always check first.
▶️ How to Run a Name Search

Go to: Name Search (in the left sidebar menu)

1
Type the proposed name
Enter the exact name your client wants. Example: "Pinewood Logistics Ventures"
2
Select the registration type
Choose Business Name, Limited Company, or NGO/Trustees — depending on what your client needs
3
Run the search
The platform queries the live CAC database and returns the result
4
Save the result
If the name is available, save the search record. This becomes a reference when you create the job later.
📋 Understanding the Results
ResultWhat it meansWhat to do
✓ AvailableThe name is free to registerProceed. Save the result and create the job.
✗ UnavailableA same or similar name already existsTell your client to propose a different name. Do NOT proceed.
⏳ PendingSomeone else is currently applying for this nameWait or advise the client to choose an alternative.
⚠️
A name search result does not reserve the name. It only tells you the name is currently available. If your client takes a week to decide, someone else may register that name in the meantime. Advise clients to move quickly once a name is confirmed available.
You run a name search and get an "Unavailable" result. What is the correct next step?
Chapter 5
Business Name Registration
The most common CAC filing. Learn who needs it, what information to collect, and what documents to upload — step by step.
📛 What Is a Business Name?

A Business Name (BN) registration is for individuals or small groups (partners) who want to trade under an official business identity. The owner is personally responsible for the business.

It is the most basic and affordable type of CAC registration, and also the most common. Millions of Nigerians need it every year.

ℹ️
Common examples of who needs a Business Name:
  • A market trader who wants a business account at the bank
  • A freelance photographer operating as "Lens Dreams Studio"
  • A food seller who needs a contract and wants official paperwork
  • Anyone applying for certain government licences or tenders
📋 What You Need to Collect
Step 2 — Business Profile
  • Proposed Business Name — exactly as it was confirmed in the name search result
  • Business email address
  • Principal place of business — the full street address of the business premises
  • City / Town
  • LGA (Local Government Area)
  • Date of business commencement — when did or will the business start operating?
Step 3 — Proprietor Details (for each owner)
  • Full name (Surname, First Name, Other Names — in that order)
  • Date of birth
  • Gender
  • Nationality (usually Nigerian)
  • Occupation — e.g. "Business Person", "Trader", "Consultant"
  • Residential address — where the proprietor lives (not the business address)
  • Phone number
  • Email address
  • Nature of business description — e.g. "General trading and distribution of consumer goods and provision of logistics services"
Step 4 — Documents to Upload
  • Valid government-issued ID for each proprietor (NIN slip, International Passport, Driver's Licence, or Voter's Card). Must NOT be expired.
  • Passport photograph for each proprietor — plain white or light background, front-facing, recent
  • Signature specimen for each proprietor — their signature on a plain white sheet, clearly visible
🚫
Expired IDs are the single most common cause of queries and rejections. Before your client hands you any ID, check the expiry date. If it is expired, they must renew it before you can proceed.
Chapter 6
LTD Company Incorporation
The most valuable registration type — and the most profitable per job. Understand the structure, the requirements, and the common mistakes before you start.
🏛️ What Is an LTD Company?

A Private Company Limited by Shares (LTD) is a separate legal entity. It exists as its own "person" in the eyes of the law, completely separate from its owners (who are called shareholders or directors).

This matters because: if the company owes a debt, the owners' personal money is protected. Only the company's own assets can be used to settle company debts. This protection is what makes LTDs so attractive to serious business owners.

ℹ️
Who typically needs an LTD?
  • Entrepreneurs who want personal financial protection from business risk
  • Businesses applying for bank loans or investor funding
  • Companies bidding for government contracts (many require an LTD)
  • Professional service businesses: consultants, engineers, lawyers, etc.
⚠️
Minimum 2 directors required. The CAC requires that a Private Limited Company have at least two directors. If your client only has one person, they need to appoint a second director before you can proceed.
📋 What You Need to Collect
Step 2 — Company Profile
  • Proposed Company Name (as confirmed in name search)
  • Business objects / activities — a clear, detailed description of what the company will do. Example: "The design, development, and sale of software products and provision of information technology consulting services."
  • Registered office address
  • City, LGA, phone, and email
Step 3 — Share Capital & Directors

Share capital is the total value of shares the company is authorised to issue. The minimum required by CAC is ₦100,000. For each director:

  • Total share capital amount (₦)
  • Number of shares
  • Value per share (₦1 per share is the most common)
  • Full name, DOB, gender, ID type & number for each director
  • Phone and email for each director
  • Residential address for each director
  • Occupation and nationality for each director
  • Shares allotted to each director
Step 4 — Documents to Upload
  • Valid government-issued ID for each director
  • Passport photograph for each director
  • Signature specimen for each director
  • MEMART (Memorandum and Articles of Association) — the platform can generate a standard template for you
  • Utility bill or tenancy agreement for the registered office address
💡
Decide the share structure with your client before you start. The most common setup for a two-person company is 50/50 shares (e.g. 500,000 shares each if total capital is 1,000,000 at ₦1 per share). Getting this agreed upfront prevents expensive changes later.
Chapter 7
NGO / Incorporated Trustees
For churches, foundations, associations, and charitable organisations. This is a different structure from a company — learn the key differences.
🤝 What Is an Incorporated Trustee?

An Incorporated Trustee (IT) is the CAC registration for non-profit organisations. Instead of directors and shareholders, it has trustees — people who hold the organisation's assets on behalf of its members and community.

ℹ️
Who needs this type of registration?
  • Churches and mosques
  • Foundations and charitable organisations
  • Community development associations
  • Professional bodies and trade associations
  • Alumni associations and cooperatives
📋 What You Need to Collect
Step 2 — NGO Profile
  • Proposed name of the organisation
  • Aims and objectives — a detailed statement of what the organisation stands for and what it intends to do
  • Registered office address, city, LGA, phone, email
Step 3 — Trustees (minimum 2 required)
  • Full name, gender, occupation, residential address, phone, email for each trustee
  • Constitution type — adopt the standard CAC NGO constitution, or upload a custom one if the organisation has its own rules
Step 4 — Documents to Upload
  • Valid government-issued ID for each trustee
  • Passport photograph for each trustee
  • Constitution document (standard or custom)
  • Minutes of the meeting where the trustees were elected
  • Newspaper publication proof — CAC requires a notice published in two national newspapers announcing the intention to incorporate
🚫
The newspaper publication is often missed and always causes delays when it is. This is the client's responsibility to arrange, but it is your job to inform them early. Without proof of publication, CAC will not process the application. Warn clients about this requirement on your first meeting.
Chapter 8
Post-Incorporation Services
Services for businesses that are already registered. This is where your most reliable, recurring income comes from — clients you already have coming back to you again and again.
🔄 The Post-Incorporation Opportunity

Most new agents focus entirely on new registrations. But the most profitable agents on this platform earn heavily from post-incorporation services — changes and filings for businesses that were registered months or years ago.

Every business you register becomes a long-term client for these services. Think of it as a business relationship that pays you repeatedly over many years.

📋 Services Available

What it is: Every registered business must file Annual Returns with CAC once a year. It is how CAC confirms the business is still active and records any changes.

Who needs it: Every client whose business you have registered — without exception — will need Annual Returns every single year. This is your most reliable recurring income.

What you collect: Entity name, RC/BN number, entity category (LTD/BN/NGO), year(s) to file, annual turnover, and net assets figure.

Documents needed: Audited/reviewed financial statements + CAC status report (Form BN-01 for BNs, Form 1.1 for LTDs).

Important: Late filing attracts escalating CAC penalties. Show clients the penalty schedule — it closes the sale faster than any sales pitch.

When a business moves to a new address, the change must be officially filed with CAC. Collect the entity name, RC/BN number, and new address details. Documents: Form CAC 6 (Notice of Change) and a company resolution signed by directors.

Used when a director is appointed, resigns, is removed, or changes their personal details. Types include: new appointment, removal/resignation, change of particulars, or both appointment and removal.

Critical: The company's Annual Returns must be up to date before CAC will process a director change. Always check this first — if returns are outstanding, include filing them in your quote.

When a company's directors vote to increase the total value of shares the company can issue — usually to bring in new investment. Requires a Special Resolution, amended MEMART, and an FIRS Stamp Duty receipt for the increased amount.

When a company formally issues shares to existing or new shareholders — for example, when adding a new investor. Collect the allottee details (name, number of shares, class of shares). Documents: board resolution and IDs for all allottees.

A request to CAC for official information about a registered business. Used for due diligence, verification, or to obtain Certified True Copies (CTCs) of documents. Only requires the business name or RC number and the purpose of the search.

Required for businesses in regulated sectors (real estate agents, car dealers, lawyers, accountants, dealers in precious metals, etc.). You collect the entity's CAC name, RC/BN number, entity type, TIN, address, and DNFBP category (nature of business). Also collect name and ID details for key officers. Documents needed: CAC certificate, TIN certificate, valid IDs for officers, and a utility bill.

WHAT IT IS
This service formally converts an existing, registered Business Name into a Private Limited Company. The Business Name ceases to exist as a sole-trader entity and is replaced by a fully incorporated LTD. It is a major step up in legal protection and business credibility.

WHO NEEDS IT
Business Name owners who are growing and want the legal separation and investment-readiness of an LTD. This is very common when a sole trader wants to bring in a business partner, attract investors, or bid for government contracts.

THIS IS A 7-STEP FORM — the most detailed service on the platform. Collect ALL information from your client before you open the form. Stopping halfway through wastes time and frustrates clients.

STEP 2 — Existing Business Name Details
• Registered Business Name (exactly as on the certificate)
• RC / BN Number
• Annual Returns status — MUST be "Up to Date"
• Current registered address

STEP 3 — New Company Details
• Proposed Company Name (confirmed via name search first)
• Principal business objects / activities
• Registered office address, city, LGA, state, phone, email
• Share capital: total amount (₦), number of shares, class of shares (Ordinary / Preference / Mixed), par value per share (₦)
• Articles of Association: adopt CAC Model Articles or upload custom articles
• Any additional restrictions or special clauses

STEP 4 — Directors & Shareholders
For each director (minimum 1):
• Full name, DOB, gender, nationality, occupation, ID type and number, residential address, phone, email, appointment date, shares allotted and percentage.
Directors and shareholders may be the same persons.
For each shareholder (if different from directors):
• Full name, shares allotted, percentage, beneficial ownership info, residential address.

STEP 5 — Company Secretary & Witness
Company Secretary (mandatory — individual or firm):
• Full name or firm name, address, ID type and number, qualifications/credentials.
Witness:
• Full name, occupation, address, ID details.

STEP 6 — Declarations
• Date the memorandum was signed
• Subscriber declaration confirmation
• Professional certification details (if applicable)

STEP 7 — Documents Upload
• Existing BN Certificate (original)
• Valid government ID per director/shareholder
• Passport photograph per director/shareholder
• Signature specimen per director/shareholder
• Custom Articles of Association (if not using model)
• FIRS Stamp Duty receipt for share capital
• Utility bill for the registered office

🚫
Annual Returns must be fully up to date. The CAC will not process this upgrade if the existing Business Name has any outstanding Annual Returns years. If your client has missed years, include filing them in your quote — it is a prerequisite, not an optional extra.
💡
This is one of the highest-value jobs on the platform. Collect all information across all seven steps before opening the form. Incomplete submissions cause delays and client frustration.
Chapter 9
Handling CAC Queries
A query is not a failure — it is a normal part of the process. What matters is how quickly and correctly you respond.
What Is a Query?

A query is when the CAC reviews your submitted application and flags an issue that prevents them from continuing to process it. They put the application on hold and wait for you to respond.

This is very normal and happens to every agent, including the most experienced ones. The key is to respond fast and correctly.

🔴 QUERIED — needs your action

When a job is queried, it turns red on your dashboard and appears in the Urgency Feed. You will also receive a notification.

How to Respond to a Query
1
Open the job and read the query reason carefully
The exact reason is shown on the job detail screen. Read it fully before you do anything else.
2
Identify what needs to change
Is it a wrong document? A data entry error? A missing piece of information? Figure out exactly what CAC is asking for.
3
Contact your client and collect what is needed
Explain clearly to your client what the problem is and exactly what they need to provide. Keep it simple — "Your ID was blurry, please take a clearer photo."
4
Upload the corrected document and resubmit
Use the Re-upload section on the job page. There is NO extra charge for resubmitting a job that was already paid for.
5
Update your client
Let them know the issue has been resolved and that you have resubmitted. Clients appreciate being kept in the loop — it builds trust.
🚫
Do not leave a queried job unattended. CAC applications can expire if queries are not resolved within a certain timeframe. Check your dashboard daily and respond to queries within 24 hours wherever possible.
🛠️ Most Common Causes of Queries — and How to Avoid Them
Common CauseHow to prevent it
Expired IDAlways check the expiry date on every ID before uploading. If it is expired, get a new one first.
Name mismatch across documentsThe name on the ID, the application form, and the signature specimen must match exactly — same spelling, same order.
Blurry or dark document scanAll uploads must be clear and fully legible. Retake photos in good natural light. Do not scan through dark WhatsApp compression.
Wrong LGA enteredVerify the LGA from an official source. Guessing or using the wrong one will cause a query.
Share figures that don't add upMake sure the shares assigned to each director total exactly the stated share capital figure. Double-check before submitting.
Outstanding Annual Returns for director changeAlways check if AR is up to date before starting a post-incorporation job. If it is not, include it in the job scope.
Outstanding Annual Returns blocking a post-inc changeFor any post-incorporation change — director change, share capital increase, or BN-to-Ltd upgrade — CAC checks AR status first. Confirm returns are fully up to date before starting any of these jobs. If not, include filing them as part of the scope.
You check your dashboard and a job now shows status "QUERIED". What should you do first?
Chapter 10
Annual Returns & Your Passive Income Engine
This is the feature that separates agents who earn good money from agents who earn great money. Every business you register is a recurring income opportunity — every single year.
🔄 What Are Annual Returns?

Every single registered business in Nigeria — Business Name, LTD Company, or NGO — must file a Annual Returns report with the CAC once every year. This is the law.

It is how CAC confirms the business is still active, updates the public register with any changes, and records the company's financial summary for the year.

If a business does not file, CAC charges escalating penalties. If they continue to default for years, the business can be struck off the register entirely — meaning they lose their registration and have to start from scratch.

💡
This is the most reliable income in compliance work. Unlike new registrations which require you to constantly find new clients, Annual Returns brings your existing clients back to you automatically — every year, for the lifetime of their business.
🔔 The Reminders Module

The platform has a dedicated Reminders module (in the left sidebar) that works alongside your Annual Returns tracker. It lets you set up automated reminders sent to clients from your branded agency portal when their Annual Returns, SCUML renewal, or any other compliance deadline is approaching.

FeatureHow it works
What you can automateAnnual Returns due-date alerts, SCUML certificate renewal reminders, post-incorporation action follow-ups.
What clients seeYour agency name and branding — not Biznez Klinik. The message appears to come directly from your firm.
Timing you controlSet how many days before the deadline the first alert goes out, and whether a follow-up is sent if the client does not act.
Pricing tiersIn Settings you can configure Annual Returns pricing tiers (e.g. Starter, Pro, Elite) with different prices and descriptions, allowing you to offer tiered service packages to clients.
Your benefitClients who receive timely, professional reminders pay faster, face fewer penalties, and credit you for keeping them organised.
💡
Set up reminders the same day you close a registration job — while the client relationship is warm. It takes two minutes and generates income for years.
⚙️ How the Tracker Works

Every business you register through the platform is automatically added to your Annual Returns tracker. The system knows the registration date, the entity type, and what years have already been filed.

As a filing deadline approaches, you get an alert on your dashboard. You can also set the system to automatically notify your client — so they call you asking to pay, rather than you chasing them.

💡
Turn on auto-notifications for clients. When a client receives a message from your branded portal reminding them their Annual Returns are due, they associate that professionalism with you. They will call you — not a competitor.
📉 The Penalty Schedule — Use It to Close Sales

The platform shows you the current CAC penalty schedule for late Annual Returns. This is a powerful sales tool. When you show a client how much they owe in penalties if they keep waiting, they almost always agree to file immediately.

Entity TypeConsequence of not filing
Business NameFixed penalties per outstanding year that increase over time
LTD CompanyEscalating penalties with each year of default
NGO / TrusteesFixed penalties with risk of deregistration after extended default
⚠️
When speaking to a client with outstanding returns: Show them exactly what they already owe in CAC penalties by looking at the penalty schedule together. Then show them your service fee. In most cases, your fee looks very reasonable compared to the penalty they are already accumulating.
💡 Maximising Your Annual Returns Income
  • The day a registration job is completed, immediately note when the first Annual Return will be due and make sure it is tracked in the platform
  • Set up client auto-notifications so the platform reminds them automatically when the deadline is approaching
  • Once a month, open your Annual Returns tracker and filter for businesses due in the next 60 days — contact those clients proactively
  • Also filter for businesses with outstanding (missed) returns — these clients may not even know they are defaulting. A helpful call from you is good service, and it is also a sale.
  • Price Annual Returns confidently. The cost is predictable, your time investment is modest, and the penalty schedule justifies a reasonable service fee.
Chapter 11
Quick Reference & Glossary
Bookmark this chapter. It contains at-a-glance document checklists for every service and a plain-English glossary of every term you will encounter on this platform.
📎 Document Checklists by Service
  • ✓ Valid government ID (per proprietor) — must not be expired
  • ✓ Passport photograph (per proprietor)
  • ✓ Signature specimen (per proprietor)
  • ✓ Business address details
  • ✓ Date of commencement
  • ✓ Valid government ID (per director)
  • ✓ Passport photograph (per director)
  • ✓ Signature specimen (per director)
  • ✓ MEMART (platform can generate standard)
  • ✓ Utility bill or tenancy agreement for registered office
  • ✓ Share structure agreed and documented
  • ✓ Valid government ID (per trustee)
  • ✓ Passport photograph (per trustee)
  • ✓ Constitution document
  • ✓ Minutes of trustees' election meeting
  • ✓ Newspaper publication proof (2 national newspapers)
  • ✓ Audited/reviewed financial statements (signed by 2 directors + secretary)
  • ✓ CAC Status Report (Form BN-01 for BNs / Form 1.1 for LTDs)
  • ✓ Year(s) to file confirmed
  • ✓ Turnover and net assets figures
  • ✓ Form CAC 6 (Notice of Change of Registered Address)
  • ✓ Signed company resolution authorising the change
  • ✓ Annual Returns up to date (required first)
  • ✓ Relevant CAC form
  • ✓ Board resolution approving the change
  • ✓ Consent letter from incoming director (if appointment)
  • ✓ Resignation letter (if resignation)
  • ✓ Valid ID for incoming director
  • ✓ Special Resolution (passed at a general meeting)
  • ✓ Amended MEMART
  • ✓ FIRS Stamp Duty Receipt for increased amount
  • ✓ CAC Certificate
  • ✓ TIN Certificate
  • ✓ Valid IDs for key officers
  • ✓ Utility bill for registered address
  • ✓ Existing BN Certificate (original)
  • ✓ Annual Returns confirmed fully up to date
  • ✓ Valid government ID (per director / shareholder)
  • ✓ Passport photograph (per director / shareholder)
  • ✓ Signature specimen (per director / shareholder)
  • ✓ Custom Articles of Association (if not using CAC model)
  • ✓ FIRS Stamp Duty receipt for share capital
  • ✓ Utility bill for registered office
📖 Glossary — Plain English Definitions
TermWhat it means in plain English
AllotmentFormally assigning shares to a shareholder — like cutting a piece of the ownership pie and handing it to someone
Annual ReturnsA yearly report that every registered business must submit to CAC to confirm the business is still active and provide a financial summary
Articles of AssociationThe part of the MEMART that sets out the internal rules of the company: how meetings are run, what powers directors have, dividend policy, etc.
Base FeeThe fixed charge Biznez Klinik applies per job. It covers CAC's government charges plus the platform's commission. You pay this from your wallet.
BN NumberBusiness Name Number — same as RC Number, but for Business Name registrations
BN-to-Ltd UpgradeThe formal CAC process of converting an existing Business Name into a fully incorporated Private Limited Company.
CACThe government office that handles all business registrations in Nigeria. Think of it as the National Registry for all businesses.
Company SecretaryA mandatory officer of a Limited Company responsible for compliance filings and maintaining company records. Can be an individual or a registered firm.
CTCCertified True Copy — an official, stamped copy of a document issued directly by CAC. Used when someone needs a legally verified copy of a registration document.
DirectorA person legally appointed to manage a limited liability company on behalf of the shareholders
DNFBPDesignated Non-Financial Business or Profession — the official category name for businesses that must obtain SCUML certification (e.g. real estate agents, lawyers, car dealers)
KYA (Know Your Agent)The platform's agent verification process — you submit your business profile, pass the assessment quiz, and receive Verified Agent status before going fully live.
MEMARTThe governing document of a Limited Company. It sets out the company's rules, its purpose, and how it will operate. Short for Memorandum and Articles of Association.
Markup / Retail PriceThe price you charge your client — set entirely by you. It must be at least as much as the base fee, but there is no maximum. The difference between what you charge and the base fee is your profit.
ProprietorThe owner(s) of a Business Name registration
QueryWhen CAC flags a problem with your submitted application and puts it on hold until you provide a correction or additional information
RC NumberRegistration Company Number — the unique ID number assigned to a Limited Company by CAC when it is incorporated
Reminders ModuleThe platform feature that automates compliance deadline alerts sent to clients from the agent's branded portal.
SCUMLSpecial Control Unit against Money Laundering — a government unit that issues compliance certificates to businesses in regulated sectors
Share CapitalThe total value of shares a company is authorised to issue. Think of it as the declared size of the ownership pie.
Subscriber DeclarationThe signed statement by the founding shareholders/directors at the time a company is incorporated, confirming they agree to take shares and form the company.
TrusteeA member of the governing board of an Incorporated Trustees / NGO — equivalent to a director in a company
🎓
Training Complete.
You have covered every module, every service type, and every key term. You are ready to log in and start building your practice. When in doubt, come back to this manual.
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