Ruby-Stone Capital Limited
Adding Value Through Partnership
Nigeria's first ethical factoring institution. We bridge the financing gap for SMEs and corporates through transparent, non-interest-based financial solutions that empower growth.
About Us
Ruby-Stone Capital Limited is a financial services firm establishing Nigeria's first ethical factoring business. We bridge the financing gap faced by Small and Medium Enterprises (SMEs) and corporates who experience long payment delays from buyers. Our ethical factoring service converts accounts receivable into immediate cash, helping companies maintain stable operations without resorting to interest-based loans.
Mission
To empower businesses in Nigeria through ethical financing solutions that promote fairness, transparency, and financial inclusion.
Vision
To become Africa's most trusted ethical factoring institution and a regional leader in non-interest trade finance.
Core Objectives
- •Provide liquidity and receivable financing to SMEs and corporates across key industries — agro-processing, construction, logistics, and healthcare.
- •Expand into international ethical factoring to support Nigerian exporters and regional trade.
- •Lead in developing innovative Islamic financial products for African market.
Our Services
Invoice Financing
Convert receivables into cash within days through ethical, non-interest-based solutions. We offer a non-debt, transparent liquidity alternative to promote financial inclusion and business growth.
Trade Financing
Support businesses engaged in local and international trade by providing funding tied to real commercial transactions. Strengthen your trading operations with flexible, transparent terms.
Supply Chain Financing
Help businesses strengthen their supply networks by providing early payment to their suppliers. Improve cash flow across your entire supply chain ecosystem.
Investment Portfolio
Deliver sustainable long-term value through a diversified mix of high-quality assets across key sectors. Focus on strategic areas and emerging markets with strong growth potential.
Who We Serve
We provide tailored financial solutions for diverse business segments across Nigeria's thriving economy.
SMEs and Growing Businesses
Contractors and Suppliers
Importers and Exporters
Agro Processing Sectors
Healthcare and Pharmaceutical
Logistics Sector
Get In Touch
Contact Information
ADDRESS
Suite 2, Dantata Plaza
Independence Way
Kaduna, Nigeria
PHONE
+234 807 172 1411REGISTRATION
RC NO: 8946403