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Invest in Collateral Based Loans

Earn 7% Interest Monthly
Investing in Zero-Risk Loans

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Ready to take your finances to the next level?

Despite the zero-risk nature of the investment, investors since Year 2020
get competitive returns monthly.

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We hold Collateral

Holding collateral for loans such as Cars, Household equipments, Property documents etc are smart risk management strategies that helps us protect your investment and ensure that the loans are repaid when due at zero risk. Join us today and start investing in collateralized loans.

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Direct Debit (Civil Servants)

We offer loans to Civil Servants. Our loans are designed to meet their unique needs, with competitive interest rates, flexible repayment terms & direct debit from salary. We conduct thorough due diligence on each borrower and provide customized loan solutions. By partnering with us, you can tap into this low-risk borrower market.

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FMCG Collateral-Based

The loans extended through this product are backed by tangible collateral that consists of FMCG goods with a high market demand and quick turnover. This collateralization provides an additional layer of security to protect investor funds and mitigate potential risks.

Zero Risk

Our investment product is designed to provide investors with peace of mind by offering a zero-risk profile. The loans are secured by tangible collateral, providing a strong buffer against potential defaults. We employ a diligent process to assess the value and marketability of the collaterals. Regular monitoring and valuation help ensure that the collateral remains adequate to cover the loan amount plus interest.

Collateralized Investments

All loans in the portfolio are backed by collateral, such as machinery, inventory, or real estate assets. This collateral provides an additional layer of security and enhances the likelihood of loan repayment. The interest rates are carefully structured based on market conditions, borrower creditworthiness, and the value of the collateralized items

Frequently asked questions

Feeling inquisitive? Have a read through some of our FAQs or
contact our supporters for help

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Collateral-based lending increases the safety of your investment by providing an additional layer of security in the event of default. Finsense Cooperative have measures in place to ensure the authenticity and value of the collateral, such as conducting appraisals or inspections. Finsense provides loans limited below 70% of the collateral used-local market value.
If the borrower defaults on the loan, Finsense Cooperative retain ownership of the collateral which have quick exchange market value, sell it to recover the outstanding amount. The collateral is used to liquidate the loan.
Yes, Your investment will be calculated on a daily based format and credited within 4 hours into your wallet / bank account
There is always a risk that a borrower may default on a loan, and Finsense Cooperative is immune to this risk. We have put measures in place to mitigate this risk in direct salary access to civil servants and collateral based loan model.
Investing in Finsense Cooperative provides a source of passive income through interest payments, while also supporting the cooperative's efforts to provide financial services to its members. Additionally, investing in a cooperative align with personal values of community building and economic empowerment. /div>
₦1,000
On registration, a Gtbank Virtual bank account number is generated in your name on your profile.
Finsense Multipurpose Cooperative Society Limited

Your money is safe with us at bank level security.