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We have covered many business ideas on this blog which many of you are happy to start. Most of those business ideas, however, are best suited for the unemployed – people who can commit their whole time to a business. So today, I will share with you 20 business ideas people in full-time employment can start to generate more sources of income and improve their financial outlook.

My job with this post is not to convince you on why you should start a side business. I assume, since you are reading it, your mind is already made up. You just need some viable business ideas to kick your idea wheels into gear. If that is you, keep reading.

I wrote another post on how to go about starting your part-time personal business. In that post, I discussed 7 important tips you need to be aware of before you take this important steps. When success or failure hangs in the balance, information is important to increase your chances of success. You will find that article when you click here.

There is everything right with starting a side business while you work a full-time job. The only drawback is time. You need a business that does not take all of your time, you also need a business you can let other people handle for you while you supervise from a close distance.

The business ideas I feature in this article take these important factors into consideration and they work perfectly for full-time employees. It doesn’t matter if you are a government worker with an 8am-4pm job or if you have a 9-7 job, there is bound to be one business idea in this post that will work for you. So sit back and pick out any of these 20 business ideas that suit your interests.

top 20 small business ideas for full-time workers who wish to create a second stream of income

1. Marketing

I have a friend who works with the Nigerian civil defense. Beside her job, she makes a significant amount of money selling imported shoes to her colleagues. This is interesting because she markets the shoes in her office, no stress, just cool easy-as-you-go cash.

Shoes are just one item in the list of things you can market. You can sell designer cloths, jewelries, computer hardware, bags, cosmetics, etc. If you don’t like selling, you can list the items on online marketplaces like Konga or Kaymu and let them do the marketing for you. You just sit back, supply when you need to and collect your money.

2. House cleaning/janitorial services

You can start a cleaning services company. You execute jobs over the weekends or you hire workers and supervise them. Some types of cleaning business include; Post construction cleaning, day-to-day office/home cleaning, specialized roof cleaning, pool cleaning, carpet/rug/tile cleaning and drainage cleaning.

You will need to brand and market your business effectively. Social media has become an indispensable tool when it comes to marketing and branding. So you can tell people what you do, take phone calls, negotiate jobs and get people to execute them or do them yourself over the weekends.

3. sports viewing centers

Nigerians love football and most football matches take place during the weekends. Matches that happen during weekdays, happen in the evenings so this is a perfect business for people in employment to make money.

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Also, there are other good business you can blend with this, like sports betting which is a natural fit for sports lovers and a side-bar where people can have their drinks while they enjoy their football. Since football is generally a men’s game, you can also feature a barbing salon by the side and put someone there to be giving you money regularly. In any case, it’s a winning affair for you.

4. Affiliate marketing

Affiliate marketing has enabled many people to quit their day jobs and earn full-time income online. it’s unbelievable the amount of money people make on the internet. You can invest some money out of your salary to start a blog and grow your affiliate marketing business. With the right touches and a little patience, you will be making more money than you ever imagine.

Affiliate marketing is one of the many ways you can make money online. I have written an eBook on how to start your own online marketing business. The book is available for free download. Click here to download now.

5. SNAIL Farming

Snail farming is one of the agricultural businesses that need little supervision. Having a snail farm would not stand in the way of your job. In fact most snail farmers are full-time workers. The reasons snail farming is a perfect business for workers are:

  • You don’t have to worry about being around, snails thrive perfectly without constant supervision. Here is a fun fact about snails, they eat at night. So you can go ahead with your day job and feed your snails when you return at night.
  • Starting a snail farm is not capital-intensive.
  • You can rear snails in your backyard; you don’t need a lot of space.
  • The market for snails is large. You can sell to local market, restaurants and even hotels.

This post details exactly how to start your own snail farming business.


if you have a knack for organizing things and networking with people, you could make a fortune as an event planner. You don’t need a special office to be an event planner. All that is required is a skill to organize and plan parties, weddings, and other occasions. Many people would not want to bear the burden of coordinating their event, instead they would want to employ the services of an event planner and this is where you come in.

You can advertise your services in your place of work or residence. Thankfully the internet has made marketing very easy. Use social media such as Facebook, Twitter, and Instagram to your advantage.


Some people have a passion for using their hands to create something. If you have the skill or passion for knitting, bead making, jewelry making, carving, painting, etc you could make lots of profit out of this at your leisure time.


Food distribution business is presently a hot cake in Nigeria, and workers can engage in it. It involves buying food items from states where they are sold cheaply and transporting them to your state of residence. You might not need to travel all the time provided you have an agent or representative in the state you are buying from.


If you are skilled at baking you could offer to bake cakes for weddings, birthday parties and other celebrations. Baking of cakes and other pastry products can be done on weekends and won’t obstruct your regular job, plus your colleagues could be your first and regular customers.

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If you have any special skills, you can work freelance and make some money. Freelancing does not have to be only online. In fact, online freelancing will require you to put in more time than offline freelancing. I have a friend who is an expert on AutoCad designs. He has a job but he also makes money on the side by doing freelance designs for clients.

Graphics designers, web designers, programmers, video production/editing experts, etc can all work freelance while they keep a full-time job. If you don’t have the skills, you can invest some money from your salary to get the skills. It would be worth it in the long run.


I coach people on how to start and run profitable blogs. One thing I teach all my students is how to blog and still have time to do other stuff. You enjoy blogging only if it allows you time to face other areas of your life. Most people burn out soon after they start because when they start blogging it consumes them, making it difficult to do anything else.

If you have a job and you also have a special interest you want to blog about, there’s nothing stopping you. In fact, you are the perfect candidate to run a profitable blog. However. it goes without saying that blogging is not a get rich quick scheme. It requires determination and consistency. Since you have a job, it reduces the pressure on your part to start making immediate money and allows you focus on the important aspects of making money through your blog.

If you would like to join my blog coaching class, call/sms: +234 803 294 0607.


This is one of the business ideas you can engage in both online and offline. If you have the right skills and a passion for taking pictures then you could offer photography services in wedding parties and other events. Most of these events usually fall on weekends so you don’t have to worry about any effects on your day job.


This form of business involves leasing out plastic tables and chairs for people organizing ceremonies. It is one of most on-demand businesses for anyone wishing to generate passive income and it is suitable for everyone, employed or not.

Many ceremonies like traditional weddings, white weddings, birthday parties, child dedication and many others are organised weekly, and the organizers always rent chairs and tables for the event, thus there is and will always be a high demand for the table and chair rentals.


Having a supermarket is good business. It requires finding a good site with decent traffic. It also demands that you have good accounting systems in place. If you don’t, it would be an uphill task making any profit in this business. Since you will not be there 24/7, you can someone you trust to man the place or you install some inventory and accounting software to make things easier.

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15. Agriculture produce storage business

Agriculture produce storage is all about buying agriculture produce when they are in season and selling them when they are out of season. This is good business for people who have no immediate need for money. Instead of keeping the money in a bank, you can flex your business muscles and make some cool money for yourself.

I must warn you though, this business is generally risky. I burned my fingers badly the first time I tried it and lost good money in the process. It could swing either way. There is no way to tell if that particular produce would see a price increase or decrease. Many people have lost good money because they purchased a produced that kept declining in price instead of appreciating, and so they made huge losses. So tread carefully, this business is not for the faint-at-heart.

16. Evening bar

I once visited a bar that never opened until 5pm. It was my first time there and I noticed that nobody visited the place until 5 pm. But once it was time, the place was buzzing with activity and the owner was making cool money. It’s not that crazy to have an evening bar. You just need to plan your time properly, get some hands to help you and let your customers know what time you open for business.

17. Barbing salon / Beauty Shop

Many workers open barbing salons or beauty shops and put skilled people in charge. They make an arrangement where they collect an agreed amount regularly. It’s important to be mindful who you put in charge, though. Find a system of profit sharing that works for everyone and watch out for the human greed.

18. Transport service

Uber is in Lagos and Abuja. They provide workers the opportunity to profit from transportation and still keep their jobs. Checkout their website and see their criteria for you to have your car with them. Alternatively, you can make some money yourself over the weekends. Taxi service is not that weird anymore; even bankers enjoy it.

19. Tutoring service

You can start a tutoring service for college students or any other group of people who are willing to learn what you have to offer. It is extra work for the weekend but that’s the idea, isn’t it? Making money in your spare time. You can also take your tutoring service online by starting a blog, using social media, or using tutoring websites like

20. sports betting agent

I don’t advocate gambling as a business model. But having a shop where gamblers gamble is one of the most lucrative businesses yet because people turn to betting as a means of raising easy money. You can start as an agent with a sports betting agency and work your way up from there.

There you have it, the top 10 business ideas for workers. You could venture into any of these businesses while still holding on to your full-time job. Advertise your business at your office or place of work, around your residence and most importantly on the internet. Thank you for reading this. Now share it for more people to read too.

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My name is Samuel. I share ideas and information to raise the next generation of brilliant, daring and successful entrepreneurs. You can learn more about this blog , contact me or submit an article.
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