Mission
To empower businesses in Nigeria through ethical financing solutions that promote fairness, transparency, and financial inclusion.
RUBY-STONE CAPITAL LTD
Turn unpaid invoices into working capital — ethically
Nigeria's first ethical factoring institution. Get a funding assessment in minutes, prepare for disbursement, and keep your business moving without interest-based loans.
RC NO: 8946403 · Transparent terms · Payment-ready onboarding
About Us
Cash flow without compromising your values
RUBY-STONE CAPITAL LTD is establishing Nigeria's first ethical factoring business. When buyers take too long to pay, we convert your accounts receivable into immediate cash — so you can run payroll, restock, and grow without interest-based debt.
Governance
Board of Directors
Independent oversight guiding RUBY-STONE CAPITAL LTD as Nigeria's ethical factoring institution.
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Mr. Habib Abba Sanusi
MD/CEO
Habib Abba Sanusi is a Nigerian entrepreneur, business executive, and architect with interests spanning finance, construction, building materials, general contracting, and investment. He is the Managing Director/Chief Executive Officer of Rubystone Capital Limited, where he provides strategic leadership and oversees the development of innovative and ethical financing solutions for businesses. He is also actively involved in other business ventures, particularly in construction, procurement, supply, and building-materials trading. With a professional background in architecture and environmental management, Habib combines technical knowledge with entrepreneurial experience to identify viable opportunities, build strategic partnerships, and develop sustainable business ventures.
Leadership
Management
The team that runs ethical factoring day to day — from qualification to disbursement-ready funding.
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Mr. Habib Abba Sanusi
Managing Director / CEO
Habib Abba Sanusi is a Nigerian entrepreneur, business executive, and architect with interests spanning finance, construction, building materials, general contracting, and investment. He is the Managing Director/Chief Executive Officer of Rubystone Capital Limited, where he provides strategic leadership and oversees the development of innovative and ethical financing solutions for businesses. He is also actively involved in other business ventures, particularly in construction, procurement, supply, and building-materials trading. With a professional background in architecture and environmental management, Habib combines technical knowledge with entrepreneurial experience to identify viable opportunities, build strategic partnerships, and develop sustainable business ventures.
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Mr. Bashir Umar
Secretary
Bashir Umar is an landscape architect, entrepreneur, and a business executive with experience in architecture, landscape architecture, construction, commodity supply,and farming,He Hold BSC Architecture, post graduate diploma in landscape architecture, professional diploma in education and is currently undergoing his masters degree in landscape architecture at Ahmadu bello university zaria.He is the secretary and marketing manager of Ruby Stone capital limited.
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Mr. Zakariyya Abdullahi Adamu.
Financial Officer
Zakariyya Abdullahi Adamu is an IT professional, educator, and Financial Officer at Rubystone Capital Limited. He has a background in Information Technology, Computer Science, education, and cybersecurity, with several years of professional experience.
Simple path to funding
How it works
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Request access
Tell us your business, invoices, and the facility size you need.
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Qualify & prepare
We confirm eligibility and send a clear document checklist for payment readiness.
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Get funded
Approved receivables convert to liquidity — tracked in your client portal.
Vision
To become Africa's most trusted ethical factoring institution and a regional leader in non-interest trade finance.
What we offer
Choose the facility that fits your cash gap
Invoice Financing
Convert receivables into cash within days through ethical, non-interest-based solutions.
Trade Financing
Funding tied to real commercial transactions for local and international trade.
Supply Chain Financing
Early payment for suppliers so your whole network stays liquid and reliable.
Investment Portfolio
Long-term value through diversified assets across strategic African growth sectors.
Subscription packages
Weekly haulage capacity that scales with you
Clear truck and value limits per package — so you know your facility envelope before you apply.
Gold
- Weekly truck limit
- 10
- Weekly value limit
- ₦150m
Silver
- Weekly truck limit
- 5
- Weekly value limit
- ₦75m
Bronze
- Weekly truck limit
- 2
- Weekly value limit
- ₦30m
Who We Serve
Built for Nigeria's real economy
Tailored ethical financing for the businesses keeping trade moving.
- SMEs and Growing Businesses
- Contractors and Suppliers
- Importers and Exporters
- Agro Processing Sectors
- Healthcare and Pharmaceutical
- Logistics Sector
Ready for payment? Start your assessment today.
Join the businesses using ethical factoring to close cash gaps, fund suppliers, and stay payment-ready.
Get In Touch
Let's prepare your next facility
Prefer to talk first? Call us — or skip ahead and submit your financing request so we can open your access path.
Contact Information
- Address
- Suite 2, Dantata Plaza
Independence Way
Kaduna, Nigeria - Phone
- +234 807 172 1411
- Registration
- RC NO: 8946403
- Client Access
- Open client access