This study investigates infrastructure gaps within digital commerce in university-based SME retail businesses in Nigeria, focusing especially on power supply stability, internet connectivity, and digital resilience. Secondary action research was applied through the use of the World Bank Nigeria Enterprise Survey 2014-2015, the Nigerian Communication Commission (NCC) statistics, National Bureau of Statistics (NBS) data and literature on Nigerian SMEs. Descriptive analysis involving frequency counts, percentage counts, comparative analysis and graphical representation was employed in investigating infrastructure problems and its effects on SMEs’ activities. It can be noted from the results that power supply is a much bigger problem compared to telecommunication, as 76.4% of the establishments suffer from power disruptions and 51.2% view electricity as a serious and very serious constraint. Also, digitalization in the form of use of email and company’s website is underdeveloped, as only 27.1% and 19.5% respectively use them. On the other hand, recent national statistics show that there has been considerable development in the provision of Internet connectivity, offering potential for digital commerce among SMEs. This paper, thus, constructs a resilience model for action, which relates to infrastructure inadequacies, disruption of operations, mitigation approaches, digital resilience and business continuity. From the findings, the use of alternative power supply, connectivity choices, digital payment, online customer communication, flexibility and backups can help SME retailers at universities build digital resilience.