About us
SUBA Capital is an agric-finance institution that helps smallholder farmers and traders access working capital from institutions and voluntary financial contributors to increase the production and trade of food at scale.

As Africa's fast rising finance and agricultural service company; We do this by offering profitable Savings and Investment Contribution services to the public, facilitate grants and institutional credit which is used to finance smallholder farmers and traders to produce and trade food at scale.

We leverage technology to serve our users (voluntary financial contributors, smallholder farmers, and traders) under a state-regulated multipurpose cooperative license.

We commit the contributed funds to our Agricultural Production, Commodity Trade, Secured Agro-allied Cashflow Assets and Financing Smallholder Farmers to genrerate profit which paid as interest and returns.

Our portfolio cuts across Agricultural Bio-Asset (farm projects), Commodity Trade Inventory, Supply Chain Management, and Agro-Allied Fixed Income Assets.

With these, we are poised to deliver value in capital growth to you; our savings and investment contributors.

Our Story

Established in 2014, licensed in 2017, and incorporated in 2020, SUBA Capital started as a digital business community under the name StartUp Business Africa (SUBA) to deliver advisory to our members.

Then we got licensed as a state-regulated multipurpose cooperative society in 2017 under the name SUBA Capital Multi-Purpose Cooperative Society Ltd and incorporated as SUBA Capital & Farms Ltd in 2020.

This is why we go with the trade name - "SUBA Capital" representing both entities.

We started investing in Agriculture in Q2 2019 and by the end of 2020, our agriculture portfolio outperformed our lending and other capital markets portfolios combined. Hence our focus is on investing in agriculture going forward.

Our Proposition is...

To provide you with the opportunity to grow wealth sustainably through your savings and investment in our agricultural value chain.

Your capital grows by up to 5% - 39.5% as a Contributor depending on your choosen plan and maturity tenor of the plan.

Our Vision:

To be Africa's foremost finance and agricultural service company.

Our Mission:

To facilitate wealth growth through profitable opportunities in agriculture.

Our Core Values:

Trust | Growth | Sustainability

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Our Goals:

As a United Nation’s Sustainable Development Goals (SDGs) compliant organisation, our goals are to;

goal 1

Alleviate Poverty by learning and evaluating what helps people move out of poverty faster.

Improving the quality of life of the average and low-income earner by providing access to wealth growth services through agriculture.

goal 2

Improve Food Security by leveraging our agribusiness value chain, using it as a viable means to combat the problem of hunger in Africa.

Our agribusiness value chain would produce food and create opportunities for developing sustainable communities.

goal 8

Create Jobs by equiping the average and low income earners with skills that enable them, harness resources to create wealth through agriculture.

Creating opportunities for self-employment for the underprivileged.

Our Process:

For Our Contributors:
SUBA Capital provides a secure automated platform for interested persons to contribute towards our agriculture business in return for profit on contributed capital amount.

As a contributor, you can track your contributions, interest on Savings and Return on Investment growth via a secured dashboard on your mobile phone or computer device. You would also get regular updates by email and text messages on the progress of our business.

Contributors can schedule farm visits to inspect and see how our farms and farm workers are doing.

Use of Contributed Funds:
We use the contributed funds to secure farm land, engage farm workers, plant seeds, insure farm workers and farm produce, complete a full farming cycle, and harvest sale logistics. Our farming cycles are in 6 and 12 months intervals depeding on the food crop we are producing.

We also use Contributed funds to engage in trade and distributions of agricultural commodities, consumer goods, transport business, real estate and other investment as may be approved by the SUBA Capital's Management from time to time.

Interest & Returns on Investments:
Our secured automated cooperative-banking system computes your interest and returns on investment monthly using the compound interest model. Interest and returns accrue in your contribution wallet at the end of every month for both Savings and Investment Contributors.

Our Supply Chain Management Strategy:
First we crowdsource our funds through our multi-purpose cooperative society, then we make inputs in farm land lease, hybrid seed purchase and planting, deploy mechanized tools and modern farming techniques with the help of our farm management team to produce a bumper harvest ready for sale.

We source and engage ready buyers (off takers) even before the maturity and harvest of the crops so as to meet up with our interest and return on investment (ROI) payout obligations.

Why You Should Choose Us...:
i. We own and control 60%+ of our bio assets. This means we own our own farm and produce our own crops. This reduces all forms of operational risk associated with the agriculture process. Unlike depending solely on third party small farm holders.

ii. We operate a hybrid business model - agribusiness and microfinance service that makes sure one side of the business covers for the other side limiting any form of capital loss by backing up your contributed funds with tangible agro-assets.

iii. We take crop insurance and have the best hands when it comes to technical know-how in financial management and managing an agribusiness venture.

iv. We have and operate walk in centres in major cities and mobile banking agents in your neigbourhood where and whom you could easily walk to, ask questions and hold them responsible where necessary.

v. You should choose us because we are simply the best choice in the market when it comes to wealth growth through agriculture. Else our contributors wont be growing so fast.

So what are you waiting for?


Licences & Insurance:

SUBA Capital is a licensed state-regulated Multi-Purpose Cooperative under the Nigerian Cooperative Act (2004).

SUBA Capital is a registered affiliate member of the Association of Non-Bank Microfinance Institutions (ANMFI) - the microfinance institution regulators for the Central Bank of Nigeria (CBN).

This Platform is operated and managed by SUBA Capital as stated in our Terms and Conditions.

We are Insured by:










Human Resource Manager


Admin/Customer Support

Christiana OHIOMAH

Admin/Sales Officer


Legal & Compliance Officer