5 of The Best High ROI Online Businesses You Can Start In 2020

Plus How You Can Start Even If You Have No Money Today

Now I want to make something very clear, many of you will rush in to read this article because you think it’s your ticket to making millions next month.

While it is possible you can make millions from the business models I am about sharing with you, they are in no way get rich quick schemes.

What I am trying to say here is that you must but in the adequate work.

So if you want a million naira from the businesses, you must put in the amount of work that can generate such figures for you.

If you’re looking for ways to make millions in 2 days or you’re in the MMM group, then I am afraid, this isn’t for you.

There are a whole lot of such schemes being peddled on the internet and good luck with them by the way.

Still here?

Then you must be up for the ride. But first let me tell you a story.

In 2012 during my 300L in Delta State University, I had a room-mate who was also interested in the whole online business thing.

He will go out and come back with a discovery of a new online business. But I wouldn’t pay so much attention.

And then it was one cold evening when I heard him calling my name from the door.

Joe, this will blow your mind away.

 And I was like what is it again.Designing book covers on fiverr.

Prio to that day, I had heard of fiverr and even tried providing SEO and traffic generation services but had to quit because I was receiving so many negative reviews from buyers lol.

The following year (2013), I came across a course on how to design book covers and offer the service on fiverr.

The course was selling for N10,000 and at that time, that was exactly my pocket money.

I remember being so confident that this would work, so I started consuming the videos in the course and had gone ahead to create an account on fiverr with the name “uniquedesignxx”.

Just try googling that name to see what comes up lol.

My first 3 months on fiverr, I had made only $80.

Now for most people, it was time to quit because comeon, $80 in 3 whole months?

Well, that wasn’t me.

I kept on it, honing my skills, promoting my gig, anything to make it succeed.

I was consistent.And on my 6th month, I had added even logo design and that month, I made over $1000.

From that month, I continued generating funds through fiverr designing book covers and logos.

And guess what?

My first million naira was made offering services on fiverr.

So, why did I share this story?

To keep you in the know ahead of time that you’ll encounter difficulties regardless of the business model you choose to go with.

But what will separate you from the unsuccessful ones is consistency and a mentor (A mentor is someone who has done and gone through what you’re trying to do).

This brings me to the first business model you can start in 2020;


This is basically the act of you offering a service and getting paid for it.

This is actually very interesting because you can be here in Nigeria and offer your services to someone in the United States.

The good thing about this is that you can start with arbitrage. Which simply means you get clients for a certain job and you find someone with adequate skills to handle the jobs.

You can start with arbitrage if you think you have no skills to sell. However, I will advise you learn a skill.

Becoming good at something only requires repetition as they say “repetition is the mother of skill”.

Below are a few sites where you can sell your services;

  • Fiverr.com
  • Upwork.com
  • Freelancer.com
  • SEOclerk.com
  • Iwriter.com

Note: You don’t even need money to start this. All you need is a device with an internet connection and the necessary skill

Below are some skills that are high in demand;

  • Graphic Design
  • Web Design and Development
  • Social Media Marketing
  • SEO 
  • Ecommerce Marketing
  • Copywriting
  • Email Marketing
  • Article Writing
  • Video Animation
  • Voice Over
  • Apps and Software Development

Below is what is possible with freelancing;

The screenshot above is from one of my fiverr accounts.

PS: I no longer manage it personally.

PPS: You can get my video training on freelancing here using the coupon


Commerce has been here for long (almost as old as mankind) and the introduction of the internet making it possible to transact online with people regardless of their race or location was the birth of e-commerce.

And, e-commerce is basically the selling or exchange happening on the internet.

So you have a product people need, you simply set up a sales system and get people to find it online via marketing and when they do, they order for it so you get it delivered to them.

In other words, e-commerce is electronic commerce.

The history of e-commerce is unthinkable without Amazon and Ebay which were among the first Internet companies to allow electronic transactions.

Thanks to their founders we now have a handsome e-commerce sector and enjoy the buying and selling advantages of the Internet.

Currently there are 3 largest and most famous worldwide Internet retailers:

Amazon, Ebay and Alibaba.

E-commerce is growing so fast that In 2017 it reached around $2.3 trillion and is expected to hit $4.5 trillion in 2021 (according to a Statista report).

And in Nigeria alone the current eCommerce spending in Nigeria is estimated at $12 billion, and is projected to reach $75 billion in revenues per annum by 2025.

While e-commerce is still growing, there’s no better time to start and dominate your own space.

This is a business model where it is possible to have a profit of over 1000% on a single product.

Imagine buying a product for as low as N1,500 and selling it for N15,000. I.E 1000% profit and that my friend is incredible!

Starting an e-commerce business might appear complex and cumbersome but with the necessary training and guidance the journey becomes simplified.

To run a successful e-commerce business, here are few keynotes;

  1. You must understand your market and calve out a section for yourself before thinking about a product to sell
  2. Don’t be so money focused that you lose sight of building a business (Think long term)
  3. Build a team (From sales to delivery)
  4. Never stop marketing and learning

When I look at the eCommerce marketplace today I see three problems that are widespread and putting most e-commerce entrepreneurs on life support.

1). Importing a product because it looks cool (this one is like a disease lol)

2). They don’t know how to advertise and sell

3. Not Paying attention to numbers

The truth is that if you are making just one of these mistakes your mini importation business probably won’t be around by this time next year.

That’s why I have created a FREE training that shows you everything you wanted to know about e-commerce and were afraid to ask

Here's what you'll discover:

1. How to find a hungry market

2. How to Find and import products for your market

3. How to pass your message to your market and not have to beg them to buy your products

Heck, I’ll even show you the only 3 categories of e-commerce products you should be buying that ensures you quickly sell out.

Check out the training here


I so love this one in the sense that you can start with little to no capital and you don’t even have to be an expert at something before marketing it.

Jonathan has started again you say?

Just relax let me explain.

You see, people are constantly searching online for information that either expands their skills or solves a problem.

YOU can provide that information in the form of digital information products.

Marketing and selling information products can help you start earning lots of money while helping others in a big way.

And even if you’re no expert at what they are looking for, you can partner with someone who can provide the answer/solution and package it into an information product.

Have you ever purchased an ebook or a video training course online?

Have you purchased a book from book stores or from stand still Lagos Traffic?

Those are examples of information products.

For example, you were able to help some of your friends relocate to canada or get permanent residency in Dubai.

You can document the process and package it in form of a video series or pdf.

Once you create these informational products, you would then market and sell the products to people who want to know how to relocate to Canada or get a permanent residency in Dubai

With information marketing, you get to make money by selling information created by you!

Side Note: Most Pastors are also doing this. The likes of Chris Oyakhilome and David Oyedepo. 

Maybe your daddy G.O is too *wink*

These days, with everyone looking to the Internet to solve a variety of problems, selling informational products online is one method to satisfy the demand.

And guess what?

It's about to get interesting.

Just keep reading.

What if I told you that, you don't even have to create the information yourself before you can start selling information products online?

You don't have to bother or go through the headaches of researching what people want or spending hours putting together a report or even worrying about how to satisfy customers?

What? Jonathan are you serious?

Yes! with 100% certainty.

This model alone made me N30 million in 2019

All you have to do is find someone who have created what people want and market it yourself for a certain percentage commission.

It could be 30%, 50%, 70% and this bring me to the next business model.

PS: I created a video training that breaks down the 3 steps you need to take to create an information marketing business that will continue to generate you income monthly, even if you're just starting online.

You can watch the training CLICK HERE

PPS: This is the best business to start now in this global coronavirus pandemic. You don't have to leave your house and many people are at home and spending more time on their devices.


The image you see above is my affiliate earnings and this was made possible because of an online platform


Expertnaire is an online platform that allows Experts(those with quality information, knowledge and expertise) to list and sell their products on their marketplace.

And other people who want to make some money can help them sell those products and smile to the bank.

Let me explain better.

I consider myself to be someone who is an expert at creating valuable knowledge products (books, videos,courses etc) Over the years, I have created knowledge products and sold tons of them on different areas like:

  • Relationship
  • Business
  • Etc

I have also taught a lot of people how to do the same.

There is no doubt that one of the surest ways to build an online business and make a lot of money is by creating and selling products that share valuable information in formats like e-books, videos etc.

But the truth is this:

At the end of the day, most people can't create their own high demand knowledge products to sell for various reasons.

E.g. Some just don't get it regardless of how easy I try to make it.

Some just don't have the time because of their job and other life issues.  

Some just have other unexplainable reasons.

This is not only in Nigeria.

It happens to people all over the world.

So, someone (I actually don't know who started this but that person must be one brilliant son or daughter of a mother) came up with this concept where you can sell another person's product online and get a part of the commission.

In many cases, you can even use the same marketing materials that person created to sell the product and get paid (how interesting).

That is how the Clickbank marketplace was launched back in the day.

On Clickbank, there are 2 groups of people.

The first group are known as merchants.

These are people who are able to create high value products (digital) and list them on the Clickbank marketplace along with the marketing material to sell them.

The second group are the affiliates who simply sign up on Clickbank and what they do is to pick any product from the Clickbank marketplace.

For each product, there is something called an affiliate link attached to it.

It usually looks like this:


All the affiliate has to do is to find people who are most likely going to be interested in that product and recommend the product to them through his affiliate link so that they can buy through the link.

So let's say a merchant lists a product about "dog training" and let's say the product sells for $40.

The merchant can now set an affiliate commission for the product.

Let's say 50% which is most common.

What this means is, if an affiliate makes a sale of the product (via his affiliate link), he gets paid 50% of that $40 which is $20.

Are you following me here?


Unfortunately, Clickbank blocked out Nigerians probably because we are known around the world as potential fraudsters.

Whatever was the reason, many Nigerians still find a way to register on Clickbank though but most of them (about 99.9%) don't make any money because they don't know how to market and because they are competing with other well trained and experienced affiliates from all over the world.

I actually told you all this long story to help you understand the concept of selling other people's digital products.

So, Let's Go Back to Expertnaire.

On Expertnaire, Nigerians with quality knowledge based digital products can list them along with marketing materials that makes selling them easier for affiliates.

Then affiliates can sign up to the Expertnaire platform,pick one or more products to market and use the affiliate links of each product to market them.

When someone buys the product via the affiliates’ link, the affiliate will get a commission for that product.

Now that you understand how this works, let me explain how you can become an affiliate of Expertnaire.com

Go  Here

Fill the form and click Register (you should read the terms and conditions too though)

Once you click REGISTER, the system will show you a popup notification informing you that the fee for becoming an affiliate on Expertnaire is N10,000 a year.

Just click the Yes, Continue button to move on.

Or click cancel if you are not willing to pay the fee.

If you follow through with the registration, you will be able to access all the products you can promote.

Let's say you are promoting a mainstream product (a mainstream product is a product that appeals to a mass audience - E.g. Weight loss, making money etc)

Then let's say you have about 2000 people on your FB friends list who are at least 28 years upwards.

Next, let's say you make a post on your FB wall where you are simply recommending an article on the product for others to go and read:

If you have at least 2000 active people on your

FB/Instagram/Whatsapp friends list who are between ages 28-45, many of them will read the article, click on the affiliate link there and many will buy immediately.

Just imagine promoting a product like 10X ecommerce blueprint and for every person who joins the program you get 50% commission (N12,500).

Or Information Business Machines and get N25,000 for every sale!

If you can get just 20 persons from your friends list monthly that will be an extra N250,000 or N500,000 from Information Business Machines for you.

But then, while this can make you some money fast, it is not a business strategy that can be ongoing.

And usually, the money you make from here might not really be much because it is all about leveraging the contacts you have already.

There are even better strategies to doing this.

You can download a free report on it here or watch a free video training by clicking here

PS: You can also decide to be an affiliate to companies like Konga and Jumia and sell their products for commissions.

To register as Konga Affiliate Click here

To register as Jumia Affiliate Click here


The consulting business is the next level information marketing if rightly packaged can continue to generate you money till you die.

It's basically offering advice based on your expertise to a specific group of people. So, you have to be an expert at something to do this. 

A consultant's job is to consult. Nothing more, nothing less. It's that simple. There's no magic formula or secret that makes one consultant more successful than another one.

But what separates a good consultant from a bad consultant is the passion and drive for excellence.

And oh yes a good consultant should be knowledgeable about the subject he or she is consulting in.

That does make a difference.

You see, in this day and age, anyone can be a consultant. All you need to discover is what your particular gift is. 

For example, are you very comfortable working around computers?

Do you keep up with the latest software and hardware information, which seems to be changing almost daily? 

And are you able to take that knowledge you have gained and turn it into a resource that someone would be willing to pay money for?

Then you would have no trouble working as a computer consultant.

Now, don't get the wrong picture here.

This is not about getting a fancy office and employing a thousand staffs.

You can do this from the comfort of your home and make 6-7 figures monthly and consistently.

That's it, guys.

I hope you enjoyed it.

But most importantly, take action because without taking action there will still be no change and you'd remain in same position.

And don’t forget to share with others

About the Author Jonathan Melody

My name is Jonathan Melody, and I am an ecommerce expert and a sales funnel strategist. I also help men to regain balance in all areas of their lives (including personal finances, relationships and wealth building)

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