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Nigerian banks have long prioritized land as collateral for lending, but this orthodoxy increasingly fails to serve businesses whose real value lies in receivables, inventory, and working capital cycles. As manufacturing, distribution, and logistics companies drive economic activity without substantial land holdings, the financial sector's rigid collateral requirements may be stifling growth in the very enterprises that power Nigeria's economy.

At some point in the life cycle of any business, the decision to acquire or divest business lines may be made in order to create synergies or improve financial performance.