Investor Relations
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This document is confidential and intended solely for the named recipient.
Investor Relations
Investor Narrative
May 2026
Confidential
Pre-raise materials
Not for distribution
25th Core replaces the fragmented tools African businesses rely on: spreadsheets, WhatsApp threads, and disconnected systems. It consolidates every core HR and operational function into one subscription platform, built on global best practice and engineered for local execution.

The Foundation: ₦3.32 Billion in Confirmed Revenue

25th has generated ₦3.32 billion in confirmed revenue over the past decade through staffing, HR operations, and workforce infrastructure delivered across enterprise environments including Tech Mahindra, GSM Systems, Bain & Company, and eTranzact, among others.

25th Core was built through real-world execution, not abstraction. It reflects over a decade of operational experience across payroll, compliance, recruitment, and workforce delivery for enterprise clients in the Nigerian market. Every capability exists because it was required, tested, and refined in live operational environments.

25th and Staffing served as Tenant Zero. The first full deployment of the system. The platform has been validated through real business operations supporting ₦3.32 billion in confirmed transaction history.

Note on revenue figure. The ₦3.32 billion represents aggregate transaction volume across nine verified bank accounts for the period 2015 to 2025, inclusive of outsourced workforce pass-through payments managed on behalf of enterprise clients. Statutory net turnover as filed with FIRS is available on request.

The Market: Three Underserved Segments. One Platform.

Nigeria has one of the largest and most fragmented workforce markets on the continent. 25th Core addresses three distinct segments that existing software has consistently failed to serve.

SME Market
1.8M+
Registered SMEs operating without a structured HR or operational system. Most run on WhatsApp, Excel, and verbal agreements. 25th Core Standard and Plus are built for this segment; affordable and deployable in under a day.
MSME and Informal Market
40M+
Micro businesses across Nigeria that Workday, SAP, and BambooHR have never reached and have no intention of reaching. Their pricing models exclude 99% of this segment. 25th Core enters at ₦150,000 per month; calibrated to this reality.
Corporate and Enterprise
Existing
25th and Staffing has delivered recruitment and outsourced workforce services directly to Tech Mahindra and GSM Systems, with recruitment placements into Bain & Company and eTranzact. Managed staff were deployed across MTN, Cisco, Mavenir, and Airtel. These are established relationships built on a decade of enterprise-grade delivery.
Total addressable market: 41.8 million businesses. No Nigerian software platform combines SME HR infrastructure, MSME-accessible pricing, and an active enterprise recruitment business within a single product. 25th Core is the only platform built by operators with a decade of confirmed revenue across all three segments.

Traction: A Decade of Confirmed Commercial Activity

300
Total Mandates
2015 to 2025
167
Confirmed Placements
55% close rate
100
Unique Clients
Zero paid acquisition
200+
Core Waitlist
Pre-launch pipeline

Every mandate and placement listed above is documented in the 25th operational records spanning 2015 to 2025. The pipeline is entirely referral-driven. No paid marketing. No cold outreach at scale. Growth has compounded through relationships built on delivery. The 200+ companies on the 25th Core waitlist were identified through that same decade of client relationships; they are warm, named, and known to 25th directly.

The Asset: 167+ Proprietary Product Files

The core engineering infrastructure already exists. More than 167 structured product and infrastructure files have been developed and internally validated. At international engineering rates, rebuilding this infrastructure from scratch would require between $600,000 and $1.2 million. At Lagos market rates, between ₦120 million and ₦250 million.

Core InfrastructureOperational Governance
Recruitment OS and AI RecruiterTask systems and escalation engines
Payroll infrastructureAccess control and credential vault
Compliance and regulatory systemsKPI framework and performance management
Customer intelligence engineMeeting and conference system
Multi-jurisdiction configuration; Nigeria, UK, US, South Africa, GhanaExecutive and investor reporting layers

Investment Thesis: Risk Compression

Most early stage SaaS raises fund experimentation; product discovery, market validation, and operational uncertainty. 25th enters this stage differently.

Risk FactorTypical Pre-Seed25th Core
Market validationHypothesis₦3.32B in confirmed revenue. Validated.
Product readinessMVP or prototype85% built. Three integration tasks to go-live.
Demand pipelineCold outreach200+ warm leads. Existing client relationships.
Operating history0 to 2 years10 years. Profitable services business.
Geographic expansionRequires full rebuildUK, US, SA, Ghana already configured. No rebuild required.

Revenue Model: Three Tiers. Clear Upgrade Path.

Standard
₦150K/month
1 admin seat. 25 staff records. Core HR, compliance calendar, task system, document vault, and customer intelligence. Self-serve.
Premier
₦650K/month
7 to 10 admin seats. 250 staff records. Full KPI framework, delegated authority matrix, dedicated CS Manager, document encryption, and AI-suggestive continuous learning; role and task-based content recommendations, two-way manager and staff participation, and mastery testing integrated into the existing task workflow.

Overage: ₦1,500 per additional staff record per month. Add-on modules available across all tiers. Average revenue per client increases as clients upgrade and expand headcount.

Revenue Framework: Infrastructure Scale

Client ScaleMRRARR
50 clients₦18,000,000₦216,000,000
200 clients₦72,000,000₦864,000,000
1,000 clients; Year 1 target₦350,000,000₦4,200,000,000
5,000 clients; Year 2 target₦1,750,000,000₦21,000,000,000
15,000 clients; Year 3 target₦5,250,000,000₦63,000,000,000

Projections exclude AI Recruiter token usage, premium add-on modules, implementation fees, and partner referral commissions.

Partner and Referral Revenue

25th Core's client base creates direct commercial value for adjacent service providers. This revenue stream activates without additional headcount and compounds as the client base grows.

AXA Mansard; Insurance referrals Stanbic IBTC; Pension referrals Shuttlers; Transport referrals Brain Express; Transport referrals Financial services; Working capital and invoice financing

Revenue Within 60 Days of Raise Closing

Three integration items remain before the platform accepts paying clients. All three are engineer tasks, not product decisions. On raise close the engineering team connects payment processing, email infrastructure, and the waitlist conversion form. The 200+ waitlist converts to paying clients in the first billing cycle. Revenue begins within 60 days of funds clearing.

The Ask

25th Core is raising $2M to $3M on a convertible note. The note converts at a 20% discount to the next round valuation. At a Series A of $10M the note converts at $8M; giving the investor approximately 25% equity. The round is limited to a maximum of three investors. Funds deploy immediately on close.

Valuation: $3M to $5M Pre-Money

The $3M to $5M pre-money valuation is supported by three independent methodologies.

MethodBasisResult
Asset-based Platform assessed at $600K to $1.2M in engineering value at international rates. Pre-revenue SaaS companies typically carry a 3x to 5x build multiplier. Floor: $3.6M
Forward revenue Year 1 ARR target of $2.8M. At a conservative 1x to 2x forward revenue multiple the range is $2.8M to $5.6M. 25th Core sits squarely within that band. $2.8M to $5.6M
Comparable transactions Nigerian B2B SaaS pre-seed rounds 2023 to 2025 have cleared at $2M to $6M pre-money. 25th Core's 10-year operating history and confirmed revenue justify positioning at the upper end of that range. Upper range: $5M to $6M

Use of Funds: $2M to $3M

AllocationAmountPurpose
Engineering team$800K–$1MBackend engineers, DevOps, QA, and security. Scale from current build to production-grade multi-tenant infrastructure.
CS and onboarding$300K–$400KCustomer success team. One CS Manager per 30 Premier clients. Onboarding specialists for enterprise migration.
Sales and marketing$300K–$400KGrowth hire, content, waitlist conversion, and referral programme activation.
Infrastructure$200K–$300KAWS, Cloudflare, Paystack, SendGrid, monitoring, and security. Production-grade from day one.
Legal and compliance$100K–$150KTerms, privacy policy, NDPR compliance, employment contracts, and investor agreements.
Working capital$300K–$400K12-month operational runway while revenue scales. Covers team salaries, office, and operating costs. Includes reimbursement of founder working capital contributions used to fund operations and salary during the pre-raise build phase, capped at $70,000 (2.8% of the raise).
Allocation Overview
Engineering team37%
CS and onboarding16%
Sales and marketing16%
Infrastructure12%
Legal and compliance6%
Working capital16%

5-Year Return Projection

YearClientsARRValuation (5x)$2M StakeReturn
Year 11,000$2.8M$14M$3.5M1.75x
Year 25,000$14M$70M$17.5M8.75x
Year 315,000$42M$210M$52.5M26x
Year 430,000$84M$420M$105M52x
Year 550,000$140M$700M$175M87x

Base case. Excludes partner revenue, premium modules, and multi-country ARR uplift.

Unit Economics

MetricFigureBasis
Average management fee11.2% of annual salary placedCalculated from 167 confirmed closed placements 2015 to 2025. Range 5% to 25%.
Average salary placedNGN 1,741,899 per annumAcross all closed mandates. Senior and executive placements generate significantly higher fees.
Average fee per placementNGN 195,865Average salary x average fee rate. Enterprise placements generate NGN 840K to NGN 1.5M per mandate.
Average sales cycle3 to 4 weeksEngagement to placement. Referral-driven pipeline with established client relationships.
Customer acquisition cost (CAC)Near zero100 unique clients acquired over 10 years entirely through referrals and existing relationships. No paid marketing spend.
Estimated client lifetime value (LTV)NGN 1,224,156Based on 2.5 mandates per year over an average 2.5-year client relationship at average fee rates. Enterprise clients significantly higher.
LTV to CAC ratioEffectively uncappedWith near-zero acquisition cost and confirmed lifetime value, the ratio is exceptional. Growth compounds through relationships not spend.
Revenue protection10-day recoup clauseContracts include a recoup fee triggered if a client fails to respond within 10 days of candidate submission. Revenue is protected regardless of client engagement levels.

Competitive Moat

AdvantageDetailReplicable?
10 years of proprietary candidate dataEvery candidate screened, placed, or assessed since 2015 is in the 25th database. Behavioural patterns, performance outcomes, salary progression, and institutional knowledge accumulated over a decade.No. Time is the moat.
100 client relationshipsBuilt entirely on delivery. No paid acquisition. Referral-compounding network across enterprise, SME, and MSME segments.No. Trust is the moat.
Operator-built product25th Core was built by the people who ran the operations it automates. Every workflow, every escalation rule, every compliance trigger exists because 25th encountered it in live delivery.No. Experience is the moat.
Contractual revenue protection10-day recoup clause on all retained mandates. Revenue is protected even when clients are unresponsive. Commercial sophistication that most competitors do not have.No. Contracts are the moat.
Multi-jurisdiction architectureNigeria active. UK, US, South Africa, and Ghana configured. No competitor has this architecture ready without a rebuild.No. Build time is the moat.

Why 25th Core Is Different

25th and Staffing serves as the workforce architecture layer for the world's most demanding institutions. Our track record is anchored by executive placements for global strategy leaders including Bain & Company and eTranzact, alongside an extensive history of end-to-end workforce orchestration for Tech Mahindra and GSM Systems.

Our operational footprint includes the management and deployment of human capital across the critical infrastructure of MTN, Cisco, Mavenir, and Airtel. These relationships were built on a decade of forensic delivery, ensuring that African talent meets global enterprise standards within the continent's most rigorous technical environments. This ten-year cycle of high-stakes execution provided the operational reality required to build and harden 25th Core.

Every HR and payroll platform targeting Africa was built by people who studied the market. 25th Core was built by people who ran it.

Ten years of placement data. ₦3.32 billion in confirmed transactions. The product is not a hypothesis. It is a decade of operational knowledge encoded into software.

Exit Strategy

25th Core is built for long-term value creation. Three credible exit scenarios exist for investors seeking liquidity.

Scenario A
Strategic Acquisition
A global HR technology firm seeking African market share acquires 25th Core. Workday, SAP, Oracle, and PE-backed consolidators actively acquiring African distribution. 25th Core's client base, candidate data, and multi-jurisdiction architecture represent significant strategic value.
Scenario B
Recurring Dividends
As the SaaS business matures post Series A, high-margin recurring revenue generates distributable profit. SaaS businesses at scale carry 70% to 80% gross margins. Dividend distributions to investors without requiring a liquidity event.
Scenario C
Secondary Market Listing
A listing on the Nigerian Exchange (NGX) or London AIM once ARR justifies a public market valuation. African tech listings are increasing. 25th Core's multi-jurisdiction footprint positions it for a cross-market listing as the business scales.

Risk Factors and Mitigations

25th Core acknowledges the following material risks and has taken deliberate steps to mitigate each.

RiskDetailMitigation
Currency risk Naira volatility against USD and GBP creates revenue uncertainty for multi-currency operations and investor return calculations. Certain enterprise contracts benchmarked in USD. Multi-currency architecture built into 25th Core from day one. UK, US, SA, and Ghana markets provide natural currency diversification post-raise.
Talent and key-person risk Concentration of technical knowledge in a small engineering team creates delivery risk if a key developer departs. Full engineering specification documented across 167+ product files. A new engineer can onboard without extended briefing from the CEO. IP is in the documentation not in any individual. Post-raise team of 12 to 15 reduces single-person dependency significantly.
Market adoption risk Nigerian SMEs have historically been slow to adopt paid software. Willingness to pay is a material assumption. 200+ warm leads on the waitlist have already expressed intent to pay. The services business has collected payment from this market for 10 years across 100 unique clients. Demand is confirmed not assumed. Pricing at NGN 150K per month is calibrated to the market reality.

Summary

Historical Revenue₦3.32 Billion Confirmed
EBITDATo be confirmed on receipt of audited accounts. Historical figures available on request.
Product Status85% Built. Production Ready.
Market Access200+ Warm Leads. 100 unique clients. 167 confirmed placements.
Total Addressable Market41.8M businesses. SME, MSME, and Corporate segments.
Pre-Raise Valuation$3M–$5M Defensible
Target Return; Base Case26x by Year 3
Target Return; Upside87x by Year 5
Investor Reporting Portal; Post-Raise
Ongoing investor reporting with MRR, client count, burn rate, runway, and milestone tracking activates after the round closes. Each investor group receives secure login access. Quarterly report. CEO triggers publish. Post-raise governance includes quarterly investor updates, scheduled board reviews, and the intention to appoint an independent director from within the investor group subject to mutual agreement. 25th Core is structured for institutional-grade oversight from day one. Post-raise governance includes quarterly board updates and the intention to appoint an independent director from within the investor group, subject to agreement. 25th Core is structured for institutional-grade oversight from day one.

Founder

Emem Usen
Founder and Chief Executive Officer, 25th and Staffing Limited

Emem Usen is the founder and Chief Executive Officer of 25th and Staffing Limited. Over the past decade she has built one of Nigeria's most operationally consistent workforce delivery businesses without external capital; generating ₦3.32 billion in confirmed revenue, closing 167 placements across 100 unique clients, and managing outsourced workforce infrastructure for some of the most demanding enterprise environments in Africa.

Her career spans recruitment, outsourced workforce management, and HR operations across enterprise clients including Tech Mahindra, GSM Systems, Bain and Company, and eTranzact, with managed staff deployed across MTN, Cisco, Mavenir, and Airtel.

25th Core is the direct product of that operational history. Every feature in the platform exists because Emem and her team lived the problem first across a decade of real delivery. She brings to the raise a proven commercial track record, 100 client relationships, and proprietary candidate and placement data spanning ten years that no new entrant can replicate. Emem is based in Lagos, Nigeria.

Disclaimer

This document is confidential and provided for informational purposes only. It does not constitute an offer to sell securities or a solicitation to purchase securities. Any investment will be made only pursuant to definitive legal agreements.

Certain statements contained herein are forward-looking and based on current assumptions, expectations, and projections. Actual results may differ materially from those expressed or implied.

Historical financial figures are supported by internal financial records and bank statement verification across nine accounts covering the period 2015 to 2025.

This document contains proprietary financial and commercial information and is intended solely for the named recipient. Unauthorised reproduction or distribution is strictly prohibited.

Emem Usen
Chief Executive Officer, 25th and Staffing Limited
May 2026