Picture this: You worked hard to build up ₦10 million in your business account at the beginning of 2025. Your bank promised you a generous 3% annual interest rate on your savings. By the end of the year, you’ll have earned ₦300,000 in interest. Sounds good, right?
Here’s the devastating reality:
| Metric | Traditional Bank Savings | Sprout Investment Management |
| Starting Capital | ₦10,000,000 | ₦10,000,000 |
| Annual Return | 3% (₦300,000) | 18% (₦1,800,000) |
| Year-End Balance | ₦10,300,000 | ₦11,800,000 |
| Inflation Impact (20.12%) | -₦2,012,000 | -₦2,012,000 |
| Real Purchasing Power | ₦8,288,000 | ₦9,788,000 |
| Net Result | Lost ₦1.7M | Gained ₦1.5M |
Your “safe” bank savings didn’t just fail to grow your money; they cost your business ₦1.7 million in purchasing power while Sprout would have generated real wealth.
This scenario is exactly why we at Cowrywise built Sprout, our modern investment management platform that’s already helping fast-growing African businesses optimise their treasury management.
After years of helping thousands of individuals build wealth through smart investing, we recognised the same challenge plaguing businesses across Nigeria: hardworking entrepreneurs watching their cash reserves lose value while focusing on growing their operations.
The Sprout Philosophy: Your Cash is a Growth Engine
At Cowrywise, we’ve been in the wealth-building business long enough to recognise a fundamental truth: your money should work as hard as you do. This philosophy revolutionised personal finance in Nigeria, and now we’re bringing that same innovation to business treasury management.
The Problem We Solved: Individual investors came to us frustrated with bank savings that couldn’t keep up with inflation. They wanted better returns without sacrificing security or liquidity. We delivered.
The Business Challenge We Addressed: Successful entrepreneurs asked us, “If Cowrywise can grow my personal wealth, why am I keeping my business cash in a regular savings account?” We built Sprout to answer that question.
Our Proven Solution: For years now, Sprout has been giving businesses what traditional banking simply cannot, a stress-free way to generate new revenue from idle cash while maintaining the security and liquidity that business operations demand.
While banks offer a place to store money, Cowrywise Sprout has proven itself as a platform that grows it. The difference isn’t just in returns, it’s in our track record of helping businesses recognise their cash as an underutilised asset that can become a profit centre.
Security Without Compromise: The Cowrywise Promise
When we launched Cowrywise years ago, sceptics questioned whether Nigerians would trust a fintech company with their money. We answered with results, transparency, and unwavering commitment to security. Today, we manage billions of naira for satisfied customers who chose innovation over convention.
Ironclad Regulation: Every investment product available through Sprout is regulated and approved by Nigeria’s Securities and Exchange Commission. We provide access to established, institutional-grade products that meet strict regulatory standards.
Your Funds, Secured Separately: Your money isn’t held by Cowrywise. It’s secured by Zenith Nominees, a licensed custodian, eliminating any owner-manager conflicts. This means your business funds are protected by institutional-grade safeguards.
Proven Track Record: We’ve spent years building trust in the Nigerian fintech space. Sprout leverages that experience and applies it to business treasury management, giving you the confidence that comes with choosing an established, trusted platform.
Designed for Business Liquidity
Here’s what most investment platforms miss: businesses need their cash to be available when opportunities arise or challenges emerge. A manufacturing company can’t wait weeks to access funds when a supplier offers a significant discount for early payment. A tech startup can’t afford to have its runway locked up when a key hiring opportunity presents itself.
This understanding is why Sprout’s investment strategy has always centred on liquidity as a core objective, not an afterthought. We invest your money in liquid assets that can be easily converted to cash, typically within the same business day or within a few days at most.
Our clients consistently tell us this is one of Sprout’s most valuable features: you’re not choosing between earning returns and maintaining operational flexibility. Sprout delivers both, because we’ve learned from experience that for businesses, liquidity isn’t just a nice feature, it’s a survival requirement.
The Cowrywise Investment Advantage
At Cowrywise, we’ve built our reputation on delivering superior returns through professional investment management. Our team of seasoned professionals brings years of experience managing portfolios in the Nigerian market, understanding both the opportunities and the risks that come with investing in our economic environment.
With Sprout, you gain access to the same investment expertise that has made Cowrywise a trusted name in Nigerian wealth management:
Curated Investment Products: We don’t offer every investment under the sun. Instead, we carefully select the best crop of investment opportunities across multiple asset classes, money market funds, fixed income securities, and USD securities, all chosen for their ability to deliver returns better than what you’ll find in traditional bank deposits.
Long-Term Perspective: While we maintain the liquidity you need for business operations, our investment philosophy focuses on sustainable, long-term growth. We’re not chasing short-term market trends that could jeopardise your capital. Instead, we seek to grow your business cash ethically and sustainably, positioning your company for continued success.
Professional Monitoring: Your business investment portfolio doesn’t run on autopilot. Our investment team continuously monitors market conditions, rebalances portfolios, and makes adjustments designed to optimise your returns while preserving your capital.
Investment Options Tailored to Your Business Model
Not every business operates the same way. A seasonal retail business has different cash flow patterns than a SaaS company with predictable monthly revenue. Sprout accommodates these differences with targeted solutions:
Mutual Funds
Maximum flexibility for variable cash flow. Perfect for businesses with irregular cash patterns. Make periodic investments as funds become available without rigid schedules or lock-in periods. Ideal for scaling companies that need operational flexibility while growing their treasury.
Fixed Notes (NGN & USD)
Predictable, predetermined returns. Offers certainty over specific time periods with guaranteed returns. Perfect for businesses that can commit funds for defined periods and want predictable income for financial planning and budgeting.
USD Securities
Your hedge against currency volatility. Essential for businesses dealing with international suppliers, customers, or investors. Protect your treasury from naira fluctuations while potentially benefiting from dollar appreciation, critical in today’s volatile currency environment.
Transparency That Builds Trust
At Cowrywise, we’ve learned that trust comes from transparency, not promises. That’s why Sprout provides detailed reports that give you complete visibility into your business investments.
Unlike traditional bank statements, which only show basic transaction information, Sprout delivers comprehensive breakdowns of your investments, fees, and earnings. These reports are designed with business needs in mind; they’re perfect for account reconciliation, audit purposes, or board presentations.
You can access your investment performance data whenever you need it, track your additional revenue streams in real-time, and make informed decisions based on complete information. This level of transparency ensures you’re never wondering about the status of your business funds.
Real Revenue Generation for Real Businesses
Here’s what makes Sprout different from other corporate finance solutions: we’re not just helping you preserve capital, we’re actively helping businesses generate new revenue streams.
While your competitors keep their idle cash in bank accounts earning 3-5% annually (and losing purchasing power to 20.12% inflation), businesses using Sprout are consistently earning more through our carefully managed investments, depending on their chosen products and market conditions.
This isn’t speculative trading or high-risk gambling. This is professional portfolio management applied to business treasury optimisation, with a proven track record. The result is a new revenue stream that requires no additional operational effort from you or your team.
Our clients experience the compound effect: not only are they avoiding the purchasing power loss that comes with traditional banking, they’re actively growing their business cash reserves. Over time, this difference has become a significant competitive advantage for the businesses using Sprout.
The Cowrywise Commitment to African Business Growth
We didn’t create Sprout just to offer another financial product. We built it because we believe African businesses deserve the same sophisticated financial tools that have traditionally been available only to large multinational corporations.
Every naira that Nigerian businesses lose to inflation-eroding bank savings is a naira that isn’t available for hiring, expansion, innovation, or market development. When African businesses thrive financially, entire economies benefit.
Sprout represents our commitment to levelling the playing field. Whether you’re running a tech startup in Lagos, a manufacturing company in Kano, or a services business in Port Harcourt, you deserve access to institutional-grade treasury management that can turn your idle cash into a revenue generator.
Why Forward-Thinking Businesses Choose Sprout
The most successful businesses working with Sprout share a common characteristic: they recognise that every aspect of their operation can be optimized, including their approach to cash management. These companies don’t just accept the status quo; they actively seek better solutions.
They’ve learned that in today’s economic environment, traditional banking solutions aren’t just inadequate, they’re actively harmful to long-term business health. When inflation consistently outpaces savings rates, keeping money in traditional accounts is essentially paying a penalty for inaction.
These businesses have chosen Sprout because our track record proves we align with their growth mindset. They want their treasury management to contribute to their success, not just serve as a place to park cash between operational needs. And that’s exactly what Sprout has delivered for them.
These businesses choose Sprout because it aligns with their growth mindset. They want their treasury management to contribute to their success, not just serve as a place to park cash between operational needs.
Making the Switch: Simpler Than You Think
Moving from traditional bank savings to Sprout’s investment management doesn’t require complex restructuring of your business finances. We’ve designed the platform to integrate seamlessly with your existing financial operations.
You maintain complete control over your funds, with the flexibility to access cash when needed and the transparency to track performance in real-time. The difference is that instead of watching your money lose value to inflation, you’re watching it grow through professional investment management.
The transition is straightforward, but the impact on your business’s financial health can be transformational. Companies that make this shift often find that their improved treasury management contributes significantly to their overall profitability and growth trajectory.
Your Business Cash Deserves Better
Every day your business cash sits in a traditional savings account, you’re missing an opportunity to generate revenue from an underutilised asset. The infrastructure exists today to make this change seamless, and the economic conditions make it more important than ever.
At Cowrywise, we’ve spent years proving that Nigerians can build wealth through smart investing. Now, with Sprout, we’re proving that African businesses can do the same with their corporate treasury management.
Your business worked hard to generate that cash. Shouldn’t it work just as hard for your business?
The companies that embrace modern treasury management today will have a significant advantage over those that continue with outdated financial strategies. The question isn’t whether you can afford to make this change; it’s whether you can afford not to.
Don’t let another day of value erosion pass.
Activate your idle cash with Sprout today.
Sprout by Cowrywise brings the same investment expertise that has made us a trusted name in Nigerian wealth management to your business treasury needs. With SEC-regulated investment products, institutional-grade security through Zenith Nominees, and our proven track record of delivering superior returns, Sprout offers everything your business needs to turn idle cash into active revenue.
Stop letting inflation eat away at your hard-earned business cash. Join the smart African businesses already using Sprout to generate new revenue streams while maintaining complete security, liquidity, and transparency. Your business cash should work as hard as you do.
