Tuesday, 21 February 2017


Contact us for Local and International supply of quality Raw Shea Butter. Our Shea Butter is specially processed under an hygienic condition. It is well packaged for both Local and International Market. It is traditionally processed to retain it is natural benefit. It is clean and free of foreign matters.  Our Raw Shea Butter is highly useful in the Pharmaceutical, Confectionery,Oil Distilation and Cosmetics Industry. It is highly medicinal and moisturising.
To make your order, use our contact information below:
Phone: +2348038248222
Gbeke Faith
Chief Consultant
TOSFAT Concepts


Contact us for Local and International supply of Dried Split Ginger. Our Dried Split Ginger is of Grade A, American Standard. It is well dried, specially processed and packaged. It is traditionally processed to retain it is natural benefit. It is clean and free of foreign matters. The rhizome is dried to between 10-12% moisture content. Our dried split ginger is highly useful in the Perfumery, Pharmaceutical, Confectionery,Oil Distilation and Beverages Industry. It is highly medicinal and an important spice in major cuisines all over the world.

To make your order, use our contact information below:

Phone: +2348038248222


Gbeke Faith
Chief Consultant
TOSFAT Concepts

Thursday, 12 January 2017


Cashew Nut export business is a seasonal money spinning business in the first quarter of the year. If you remove the first four words in CASHEW it reads CASH. So,Prepare ahead to make some CASH exporting CASHEW NUTS. Now, let me give you some information on Cashew Nuts. 

Cashew (Anacardium Occidentale L.) is a tree crop of considerable economic importance to Nigeria and other tropical countries. Apart from being a source of useful products and byproducts for food, medicinal and industrial applications, cashew gives also a useful shade, while ornamental and alley trees are suitable for the control of soil erosion, particularly for the protection of watersheds and dams.

Cashew nut setting begins in the middle of dry season, while harvesting takes place mainly in February or March. The entire harvest period occupies about 16 weeks. In the Eastern and Western parts of the country, where quality cashew nuts are grown, nuts are allowed to drop to the ground before they are collected. This practice ensures that only ripe nuts are collected. Nuts normally fall to the ground with their apples attached; the two are normally separated with a twisting action during collection. The remnants of the apple flash adhering to the nuts are removed with a sharp knife. After picking, the nuts are dried in the sun for 2 to 3 days, to reduce their moisture content to about 12 %. Properly dried nuts are packed in jute bags and can be kept for 6 to 10 months, if stored in suitable condition.

Major cashew growing areas in Nigeria are, by order of importance: Enugu, Abia, Imo, Anambra, Ebonyi and Cross River States in the eastern part of the country; Oyo, Osun, Ondo, Ekiti and Ogun States in the Western part, as well as Kwara, Kogi, Nassarawa, Benue, Taraba, Niger and FCT in the Middle Belt and also Sokoto and Kebbi States in the North West part of the country. The majority of export quality nuts come from the Western and Eastern parts of the country.

According to SGS (quality inspectors), the standard for raw cashew nuts, unshelled, is specified as follows:
i. Nut count 180-200 per kg
ii. Moisture content 8-10% max
iii. Defective nuts 15% max
iv. Float Rate 18% max
v. Admixture 0.25% max
vi. Foreign matter 0.25% max
vii. KoR, or shelling out-turn 48-50 Ibs/bag

The cashew nut is a popular snack, and its rich flavor means that it is often eaten on its own, lightly salted or sugared. In addition to this, cashew nutshell liquid (CNSL), a by-product of processing cashew, is mostly composed of anacardic acids. These acids have been used effectively against tooth abscesses due to their lethality to bacteria.

Export market
The major buyers of cashew nut from Nigeria are mainly India and Singapore. Smaller percentage goes to Europe.

If you are interested in learning about CASHEWNUT EXPORTING BUSINESS, subscribe to our NON-OIL COMMODITY(Agricultural and Solid Minerals) EXPORT BUSINESS TRAINING. Contact us with our information below for more information.

Also we can assist international buyers from India, Vietnam, United States, China, Belgium, Russia and other parts of the world that are interested TO PROCURE quality Cashew Nut from Nigeria.  
If you are interested in any of our services, contact us with the information below:
E-mail: tosfatconcepts@gmail.com
Phone: +2348076000259

Thank you for sparing your precious time in reading this report.

To your Success,

Gbeke Faith   
Chief Consultant 
TOSFAT Concepts

Sunday, 23 October 2016


Exports Contracts are available for metal ores. This contract are for exporters who have done previous shipment in any of the following metal ore. Below are the contract information:

- Lead Sulphide 55% and higher.
- up to 30 000 MT per month.
- Port in China – Yantai.
- Price formula: every 1% of Lead x $X = Final Price per MT.
- Payment: 90% LC at sight and 10% TT by CIQ at the discharge port. PB2%.
- Copper 15% and higher.
- up to 20 000 MT per month.
- Port in China – Yantai.
- Price formula: every 1% of Cu x $X = Final Price per MT.
- Payment: 90% LC at sight and 10% TT by CIQ at the discharge port. PB2%.
- Antimony 40% and higher.
- Up to 40 000  MT per month or higher.
- Port in China – Lianyungang.
- Packaging: bags for 25-50 Kg.
- Price formula: every 1% of Antimony x $X = Final Price per MT.
- Payment: 90% LC at sight and 10% TT by CIQ at the discharge port. PB2%.
- Manganese 40% and higher.
- up to 40 000 MT per month.
- Ports in China – Tianjin.
- Price formula: every 1% of Mn x $X = Final Price per MT.
- Payment: 90% LC at sight and 10% TT by CIQ at the discharge port. PB2%.

a) Actual original photos from photo camera with newspaper's front page.
b) Scanned copy of Certificates of Analysis.
c) Scanned copy of Copy of past Bill of Lading.
  Documents can be sanitized.

If you are interested, send us your best CIF price.

Thank you.

Gbeke Faith
Chief Consultant
TOSFAT Concepts
+2348038248222, +2348076000259

Thursday, 5 May 2016


The Nigerian Non-Oil Commodity Export Business is a very big market which 50% of it has not been explored. Therefore, the market is attracting new set of participators daily. You can participate in this market at various levels depending on your capital base. It is your capital base that will determine how you can participate in the business. The good news is no matter your capital base you will always find a level of participation and grow your business from there. Here are some of the ways you can participate in this business: 

1.       Participate as an Investor: You can participate in this business as an angel investor investing in the export project of exporters with a confirmed export business opportunities. To participate as an investor you must have the basic knowledge of the technical aspect of the business, have access to real time information on the business and have the full knowledge of point of entry and exit with strategies of protecting your capital. You can subscribe for a one day online training on “How to Strategically Invest with Good Profit Margin while protecting your Capital”. The training is 3 hours duration.
2.       Participate as a Field Agent: Do you have experience sourcing any agricultural or mineral commodities? Or is there a particular agricultural or mineral commodity abundant in your area? Then you can become a field agent. The work of a Field Agent is to guide and help the exporter/buyer to source a particular commodity. The field agent must have a good knowledge of the environment and local suppliers with the best quality and cheapest commodities. For those who are willing to work as a Field Agent but do not have previous experience, you can subscribe for our special online training, called “The Field Agent Procedures”. As regards field agency we are also offering a special service, called FIELD AGENCY PROGRAMME. With this service, if you register with us as a field agent, we will be referring buyers to you who are willing to pay you for your service of guiding them around to source for quality commodity you specialized on. Your service charges will be determined by you. Your registration must be renewed annually. Registration Fee for this service, N50, 400 only.
3.       Participate as a Broker: If you have a good skills and connection with international buyers, you can negotiate export contracts and hand it over to exporters who are willing to take on the contract while charging them finders’ fee. But most people did not get it right. Some take this opportunity as a get rich-quick-scheme but I will tell you,  it is important that you know the technical aspect of negotiating contracts and structuring an export brokerage business. You can contact us to learn more about this.
4.       Participate as a Foreign Market Analyst: For any exporter willing to export his products must have a target foreign market. To be able to succeed in their target market, they need an intensive analysis of the market. Therefore, if you have a very good skill of analyzing foreign markets, this is a wonderful opportunity for you to exhibit your skills and make money with it. Contact us if you are interested in becoming a Foreign Market Analyst, we will help you out.
5.       Participate as a Haulaging Firm: Haulaging firms assist in transporting commodities for export from the farm gate or the sourcing point to the port. If you have trucks that can pick containers, you are good to go. The challenges in this business is that most drivers lack integrity but if you can get a driver with integrity/diligence and you are able to meet up with the time you promised your client for delivery, I can assure you that you will make income worth a fortune in this business. To succeed in this line of business you have to be FAITHFUL. Contact us to learn HOW TO RUN AN HAULAGING FIRM, SECURE AND MANAGE CLIENT.
6.       Participate as a Freight Forwarder: The services of a freight forwarder can never be underestimated in this line of business. The freight forwarder arranges for logistics and proper documentations. For you not to burn your fingers, you have to be well trained on the business process. If you display good sense of professionalism coupled with integrity, the sky is your limit in this line of business. Contact us to learn more.
7.       Participate as an Insurance Agent: Insurance is an important aspect in the Non-Oil Commodity Export Business. Insurance is needed on the transportation of the commodities both within the country of origin and to the destination country. This creates an opportunity for you to step-up in handling the insurance aspect of the business for exporters. There are lots of insurance company you can join in Nigeria on commission basis while they are willing to pay you based on the number of insurance business you bring to them. This is a very good opportunity to grow your capital base.
8.   Participate as an Exporter: You can participate in this business as an exporter either on
Full-time, Part-time or Arm Chair level. Exporting Non-Oil Commodities is a sure way of making income on a consistent and long term basis. It is a business you can resign or retire from your day-to-day job to settle down with and it is a long term business that you can pass down to your children and generation line. The misconception some people have about it is that, it is a get-rich-quick scheme, so they tend to get too excited to rush into the business without taking the proper steps and they end up burning their fingers. Exporting Business is a real and serious business which must be well planned and prepared for. As a new or existing exporter, you must have a consultant working for you to be putting you through the business and updating you on current trends and information in the market. This business is based on getting the right information and working on the information at the right time. You must never be too late or too early. That is one of the most important reason you need a consultant. You can subscribe to our “Non-Oil Commodity Export Business Consulting”. With our consulting service, we will fine-tune your export business to more profitability, keep you abreast the trend in the market, guide on mentor you to success on all issues you are facing in the business and lots more. To participate in Non-Oil Commodity Export Business, you must be willing to separate a business set-up capital of up to N500,000 apart from the real capital you are using for the business. Your set-up capital will assist you in setting up the necessary things needed for the long term success of your Non-Oil Commodity Exporting Business.

In conclusion, the Non-Oil Commodity Exporting Business is providing opportunities at different level of participation. Try joining today. There is no more excuse of lack of capital, where there is a will, there is a way.

Join me next time for another wonderful piece.
To your success,

Gbeke Faith 

Friday, 29 April 2016


Read this story culled from tori.ng
"First Bank Nigeria Limited has officially announced its plan to cut about 1000 jobs and focus less on providing loans to the oil industry in a bid to reverse the 2015 financial year's 82 per cent slump in profit.
First Bank building
Speaking to Bloomberg in Lagos, Adesola Adeduntan, the chief executive officer of First Bank of Nigeria, has said that one thousand (1,000) staff of the bank will lose their jobs as the bank expects to boost its return on equity (ROE) – a key measure of profitability, to between 11 percent and 14 percent in 2016 from from last year’s 'really bad' figure of three per cent.
Below is how Bloomberg exclusively reported the story;
FBN Holdings Plc, which owns Nigeria’s biggest bank, plans to cut jobs and focus less on providing loans to the oil industry in a bid to reverse last year’s 82 percent slump in profit.
The lender expects to boost its return on equity, a key measure of profitability, to between 11 percent and 14 percent in 2016 from last year’s “really bad” figure of 3 percent, according to Adesola Adeduntan, chief executive officer of FBN’s main First Bank of Nigeria unit. It is also targeting a cost-to-income ratio of 55 percent in two years time from 59 percent, he said.
“ROE will be much better than last year,” Adeduntan said by phone from Lagos on Wednesday. “At a minimum, we should triple it. We do not shy away from taking difficult decisions. We used to have above 8,000 people. We’ll push it down, gradually, to 7,000.”
Net profit fell to 15 billion naira ($76 million) from 84 billion naira in 2014, as impairments soared and Africa’s biggest economy slowed amid a crash in the price of crude, the biggest source of government revenue and export earnings. Growth decelerated to 2.8 percent in 2015, the lowest level since 1999, and may worsen to 2.3 percent this year, according to the International Monetary Fund.
First Bank’s non-performing loans ratio stood at 22 percent at the end of March, compared with 3.8 percent a year earlier. Reducing that figure is the “number one priority,” said Adeduntan. The bank will do that by reducing the proportion of its lending to the oil and gas sector, currently at about 39 percent of total loans, and focusing more on blue-chip companies in other industries, he said.
Enough Cash
Adeduntan ruled out any equity raising this year, saying the bank’s capital adequacy ratio of 17.2 percent was enough of a buffer and above the central bank’s minimum requirement of 15 percent. It would still be adequate if the floor is raised to 16 percent in July for systemically important institutions, including First Bank.
“We continuously evaluate it and the position now is that there’s no need for external capital,” said Adeduntan, 46, who became CEO in January after joining First Bank as chief financial officer in mid-2014. “We generate enough internal capital,” he said.
FBN’s shares rose 5.3 percent to 3.57 naira on Wednesday. They’re still down 30 percent this year, more than the Nigerian Stock Exchange All Share Index’s drop of 13 percent.
The bank’s valuation lags that of its main competitors such as Guaranty Trust Bank Plc and Zenith Bank Plc. Its stock trades at 0.22 times book value, or the theoretical price that shareholders would get if all assets were sold and liabilities paid-off. That compares with 1.18 times for GTBank and 0.62 for Zenith.

The market has over-corrected,” Adeduntan said. “It’s priced in all the negative information. For us, it can only go up."
The story above is a clear reason why those who are working in corporate organizations should take having a PLAN B seriously and consider Non-Oil Commodity Export Business as an interesting business to use as a PLAN B.

Wednesday, 13 April 2016


Non-Oil Commodity Export market has become more interesting of recent due to the recent economic situation of Nigeria which the fall in oil prices caused. Therefore, non-oil commodity export is seriously under consideration as an alternative to salvage the falling economy.Value Added Exporting in simple term, means adding value to the commodities you are exporting. No matter the amount you are making right now as profit in your export business you can make more of it if you add value to the commodities you are exporting. Majority of the commodities exported from Africa especially Nigeria are exported in the raw form, which industries in the other continents like Europe, Asia, America e.t.c will add value to it and sell it at a higher price and the funniest case is that they sell some of this product back to us at a higher cost after adding value to it.

Take for example, our very own shea butter which is exported abroad from Nigeria, some cosmetics manufacturing companies will add value to it, produce a cream and brand it with a beautiful name which is sold back to us and some of our people buy these creams at exorbitant prices. This same scenario applies to some other Nigeria’s exportable commodity.It is important as an exporter or a prospective exporter to work in a new direction of adding value to the commodities you specialized in exporting. Advantages of adding value to your exportable commodities are: 
1.       Increase in your ROI (Return on Investment)

2.       International Exposure for your brand

3.       Ability to sell  value added products in the local market

Examples of commodities that exporters can add value to are:

1.       Shea Nut and Butter: Shea Nut can be reprocessed into Raw Shea Butter Grade A, while Raw Shea Butter can be reprocessed into Refined Shea Butter. Raw Shea Butter export will give you more profit while Refined She Butter will give you higher profit.

2.       Cashew Nut: It can be processed into kernels for higher profit margin.

3.       Hardwood Charcoal: it can grinded to produce charcoal powder and packaged for export

4.       Sesame Seed: To improve it, it can be cleaned and dehulled

5.       Cassava: Value can be added to Cassava by packing and exporting it’s finished products like Garri, Fufu Powder, Tapioca e.t.c. It can be branded and packaged for export.

We will be discussing fully on value added exporting in a special series of articles, we will be releasing soon. The most important aspect in the exporting business is to simply do it right. To do it the right way, you will need the service of a consultant to put you on the right path and lead you to success.

If you are seriously interested in starting a Non-Oil Commodity export Business or you are interested in making more profit margins by adding value to the commodity of your interest, subscribe to our Non-Oil Commodity Export Business Consulting Service and we will definitely be of great help to your success in the business by the special grace of God.

Watch out for the Value Added Export Series.

To your success,

Gbeke Faith
Chief Consultant
TOSFAT Concepts


Friday, 8 April 2016


TOSFAT LOCAL SUPPLIERS NETWORK is a special network created for the benefit of local suppliers of Agricultural and Mineral Commodities in Nigeria. This network serves as a platform to promote the business of the local suppliers. Joining this network will help you in getting consistent buyers for your commodities all over Nigeria.

Are you  a local supplier of Agricultural Commodity(ies) like: Sesame Seed, Dried Split Ginger, Garlic,Cocoa,Shea Nut, Shea Butter, Cashew Nut e.t.c or Mineral Commodities like: Lead Ore, Zinc Ore, Copper e.t.c, join TLSN today. To join the TOSFAT LOCAL SUPPLIERS NETWORK, send us a mail to: tosfatconcepts@gmail.com with the subject, "TLSN" or call: 08038248222/08076000259 for more information.