10 Legit Online Businesses in Nigeria that Pays Without Investment 

by Mercy Rotimi

With recent advances in technology, business is no longer restricted to one’s locality in Nigeria. You can be in the corner of your room and with the click of a button transact business with anyone, anywhere in the world. The online business makes you travel around the world without leaving your room. Such that, you get familiar with the happenings around the world.

What is an Online Business?

An online business is a business that takes place solely on the internet. Online business includes goods and services. It comprises both little start-ups and businesses with great markets. Online business deals with transactions done without a one-on-one meeting by the use of technological devices. This cuts across all areas of the world.

Top earners in online businesses include eCommerce websites, multimedia services, B2B software, search engines, and so on. Below are some legit online businesses that pay in Nigeria without investment.

See also: Top 20 Business Blogs for Entrepreneurs in Nigeria

10 Legit Online Businesses in Nigeria that Pays Without Investment 

  1. E-commerce Business 

E-commerce (electronic business) is a platform that allows individuals and companies to buy and sell goods or services over the internet. This can be done through the use of computers, smartphones or other smart devices. Nearly all products are available on e-commerce for trade.

Nowadays, e-commerce has many benefits. It helps small businesses gain access to a wider market presence by creating an easier and more efficient channel for distribution. People all around the world can run a business even without a physical business space. This is another advantage of the online business, e-commerce.

E-commerce maximizes resources and reduces the cost incurred in running a business. This includes securing a space, employing workers, and paying water and electric bills.

  1. Blogging

A blog is a website which provides information by discussing useful topics. Bloggers provide solutions to problems they identify through writing and posting related articles. You can be a great blogger if you keep posting articles people are interested in on your blog. 

These articles must have a catchy topic. This will prompt more people to read even when it’s not exactly what they are searching for.

  1. Freelancing

Freelancing is a job in which a person (a freelancer) works for different companies by providing a particular solution. It is a branch of online business that is highly patronized these days. A freelancer earns money per job or task. The jobs could be short or long term. 

Moreover, a freelancer enjoys certain benefits such as working from home, a flexible work schedule, and a good work-life balance. Location is not a barrier in freelancing as most jobs require only an online presence for the submission of tasks. Mind you, this is why we call it an online business.

Examples of jobs you can freelance for include; videography, copywriting, digital marketing, Hr manager, graphic designing, transcription, social media management, SEO professional, brand communication specialist, etc. 

See also: 10 Smart Tips on How to Get Job on Upwork

  1. Web Design

Web design is a legit online business that involves the designation of websites displayed on the internet. There are three types of web design. They include static, dynamic or CMS and e-commerce.

  1. Flip domains and Websites

Flipping involves investing in websites that are already making money. Meanwhile, these websites are improved by increasing the amount of traffic visiting the website or selling the website for a profit. Here, you can make money from the number of visitors who use your website. 

You can keep a domain for up to 10 years and still sell at a reasonable profit. You can also monetize domains by throwing in search engine optimization (SEO). Flip domains are one of the most legit online businesses you can ever dabble in.

  1. Online Bank Sales Agency

This is an easy way of providing internet banking services such as cash deposit, cash withdrawal, airtime top-up, balance enquiry, token redemption, bill payment etc. Running these services generates income.

According to the Guardian, there are about 236,940 agents across the 774 local government areas of the country as of 2019. An online bank sales agency is also called branchless banking. Examples of online sales agents are; Opay, Paga, MTN, TeamApt, Readycash, Firstmonie, Kongapay, Nairabox, Quick teller, Riby, etc.

  1. Affiliate Marketing

Affiliate is a marketing system in which the reward of each affiliate marketer is based on the number of visitors or customers they invited. For example, an affiliate company pays bloggers to advertise their products and services by placing ads on their websites, apps, or blogs. 

Examples of best-paying affiliate programs are Fiverr, GetRespones, Pabbly, Hubspot, Aweber, Shopify, eBay partner network, Acorns, Elementor, etc.

Read also: How to start affiliate marketing as a beginner in Nigeria

  1. Social Media Marketing

Social media marketing is the basis of all other online businesses. People use social media platforms and websites to promote a product or service. It can be in the form of social networks (Facebook, LinkedIn), Social news (Digg), Bookmarking (Pinterest), Blog comments and forums (WordPress, Tumblr), Media sharing (YouTube) and many more.

  1. Teaching Online Courses

The educational sector is not left out in online business. It involves creating an online platform where tutors or moderators coach people on some courses at a set time. Certificates are usually issued after successful learning is done. Examples of companies providing this are edX, Alison, Coursera, Udemy, Skillshare, etc.

  1. Online Shop or Dropshipping

Perhaps you are looking for a unique legit online business. Then try an online shop! Online shopping or dropshipping is a way of selling products you don’t have in stock. Here, sellers purchase products from third-party suppliers as customers make orders. 

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Online Business.

You need just a little capital to start up an online shop. Continuous advertising and building trust with customers increase profitability. In the end, you may or may not require a physical store. Examples of dropshipping stores are AliExpress, Amazon, Flex, Toyshades, Best Choice Products etc. 

See also: 10 Ways to Make Money on Instagram in Nigeria


Whatever your choice of online business is, maintaining integrity is the key. Integrity increases your customer base, thereby enhancing profitability. 

After learning about the legit online business you can invest in, here are some take-home tips for you. Below are useful tips to note when starting an online business:

  • Make a thorough research on your choice of business. Highlight points like: what services will I be offering? Will I be selling products or rendering services? What will be my start-up capital? Where will I be getting my resources from? Who are my target customers? How differently will I be offering this service? Who can join me in this business? How will I deliver my service? Home delivery, pick-up, subscription, or what?
  • Stay focused. Connect with why you started, where you are at the moment, and where you are going.
  • Find your niche and note what more you can do differently to provide a solution.
  • Maintain an online presence at all times. Then your online business is good to go!

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About Author

Avatar of Mercy Rotimi
Mercy Rotimi
Rotimi Mercy is a Nigerian writer whose lifestyle centres around her family, teaching children and young adults, reading a book, or surfing the internet. This gave rise to her converting her speaking abilities into writing skills.
She writes on various niches such as; lifestyle, health, and Career.

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Avatar of Sadiq kabiru
Sadiq kabiru December 4, 2022 - 1:57 am

How does it pays

Avatar of Halimat Chisom
Halimat Chisom December 5, 2022 - 8:18 am

Hi Sadiq,

Could you be more specific? Have you tried any of these businesses? Where are you having difficulty?

Avatar of Blessing Uzoka
Blessing Uzoka December 9, 2022 - 9:38 am


Avatar of Uchenna
Uchenna April 1, 2023 - 9:17 am

I need it

Avatar of Halimat Chisom
Halimat Chisom April 18, 2023 - 11:41 pm

You’ll need to be a bit more elaborate, Uchenna. What do you need?


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