Your fractional Finance Director for SMEs
SmartSMB Advisory exists to help growing businesses gain financial clarity, make confident decisions, and achieve sustainable growth.
Our Mission
To equip Nigerian SMEs, startups, and entrepreneurs with the financial clarity, strategic direction, and practical tools they need to build sustainable, profitable businesses.
Our Vision
To be the most trusted and accessible financial and business advisory partner for emerging businesses in Nigeria, recognised for practical insight, measurable client outcomes, and genuine commitment to SME success.
Our Approach
We combine practical financial leadership, clear communication, and disciplined execution so clients can move from uncertainty to confident decisions.
Our Values
The standards behind every engagement
These principles shape how we advise, communicate, protect client information, and measure success.
Integrity
We give honest, evidence-based advice even when it is uncomfortable. Our clients' long-term interests always take precedence over short-term commercial considerations.
Impact-Driven
Every engagement must produce tangible, measurable outcomes. We do not trade in vague recommendations or theoretical frameworks.
Accessibility
Advisory excellence should not be the preserve of large corporations. We price, package, and communicate our services for the SME market.
Learnability
We invest in our own knowledge as rigorously as we advise clients to invest in theirs. We stay current in finance, strategy, and the evolving Nigerian business environment.
Discretion
We handle our clients' financial and strategic information with absolute confidentiality and professional care.
Abuja
Base of Operations
6
Core Service Offerings
SMEs
Our Primary Focus
₦5M–₦250M
Ideal Client Turnover Range
Meet the Founder
The person behind SmartSMB
Built from experience within SMEs — not above them
Oluwatosin Adegoroye Oluwatosin Adegoroye, ACA, is a Chartered Accountant and MBA-qualified Finance Manager with over a decade of progressive experience in financial reporting, budgeting, cash flow management, and cost optimization.She has a proven track record of delivering measurable results for SMEs and corporate entities.
Her mission is simple: to bring disorganized accounting systems up to date and implement controls that allow founders to step back from the day-to-day chaos. I have a proven track record of delivering measurable results for SMEs and corporate entities across the pharmaceutical, property, and event industries in Nigeria.
"Every SME deserves a Finance Director. We make that possible."
— Oluwatosin Adegoroye
Why SmartSMB
What sets us apart
Embedded, not just advisory
We work inside your business monthly — on-site or embedded working sessions, not just emailed reports. You get a Finance Director who actually shows up.
Available when it matters
Direct founder or associate availability by phone and WhatsApp for time-sensitive decisions. Because financial decisions rarely wait for a scheduled meeting.
Priced for SMEs
Our model is built around your operating reality and budget — not the fee thresholds of large advisory firms. Partner-level thinking at a fractional cost.
Strategic, not just compliance
We go beyond bookkeeping and tax filing. We bring financial clarity, strategic direction, and decision support that your business cannot get from a compliance-only accountant.
Built for Nigerian SMEs
Our focus is deliberate — formal and informal sector businesses in Nigeria, 5–30 employees, ₦5M–₦250M turnover. We understand your market, your clients, and your constraints.
Non-replicable delivery
Large firms cannot match this model economically. Solo accountants lack the strategic skillset. We sit in a space that is genuinely ours — and genuinely yours.
Ideal Client Profile
Built for owner-led SMEs ready for financial clarity
SmartSMB is best suited to businesses that are already operating, making commercial decisions, and need strategic financial leadership without hiring a full-time Finance Director.
Formal Sector
Government contractors, professional service firms, retail operators, and hospitality businesses in Nigeria.
Informal Sector
Event management businesses, food and provision wholesale distributors, building materials merchants, hardware dealers, fabric and textile traders, fashion designers and tailoring studios with production capacity, private schools and tutoring centres, and bakeries or confectionery production businesses in Nigeria.
Business Size
5-30 employees with ₦5M-₦250M annual turnover.
Formalization
Registered with CAC, has a corporate bank account, files annual returns, or is about to register, but lacks internal financial management capability.
Pain Point
Experiencing cash flow surprises, margin erosion, or funding decisions without adequate financial analysis; currently relying on a compliance-only accountant or managing financial records themselves.
Decision-Maker
The founder or MD is directly involved in financial decisions and personally feels the absence of a trusted financial advisor.
Not the right fit
We are deliberately focused on businesses where our advisory model can create measurable value.
- Pre-revenue businesses
- Sole traders without employees
- Businesses already retaining a Big Four firm or in-house Finance Director
- Businesses in regulated sectors requiring licensed audit