📞 +234 708 263 5771  •  ✉️ support@heavensglobalinvestment.com Login →
Welcome to Heaven's Global Investment Ltd

Empowering Nigeria's Financial Future - One Life at a Time

Heaven's Global Investment Limited connects smart investors with vetted businesses, offering fast collateral-friendly loans, emergency fund savings, and secure high-yield co-operative opportunities.

Get a Loan Invest & Save
•••• •••• •••• 7875
CARDHOLDER CO-OP MEMBER
EXPIRES 12/30
🐖
Savings Emergency Fund
₦450,000
72% of goal Target: ₦600K
Loan Approved ✓ ₦500,000 Funded
Regulatory Certifications
CAC (RC: 7125875)
NDPC
SCUML
COMCIN
KDSCM
KSMLC
NRS
About

Heaven's Global

Heaven's Global Investment Limited is your most trusted partner in financial empowerment and cooperative investment. We are a leading Micro-finance & Co-operative institution dedicated to providing accessible loans, savings plans, and investment opportunities to individuals and businesses across Nigeria.

At HGI Ltd, we understand the importance of capital for realizing dreams and achieving financial goals. We stand between you and your next milestone — with integrity, speed, and genuine care.

🤝

Absolute Trust

Fully compliant with CAC and KDSCM guidelines.

⚡

Rapid Execution

Express loan disbursements within 24-48 hours.

🌱

Real Impact

Fueling SME growth and wealth accumulation.

HGI Ltd Team Meeting
Learn More About Our Story
Leadership

Meet Our Team

Our leadership team brings unique expertise and a collaborative spirit to help us achieve our shared vision of financial empowerment.

Gift Yakubu – CEO/MD

GIFT YAKUBU

CEO / MD

Gift Ocho – COO

GIFT OCHO

COO

Emmanuel Odugbo – Head Of Operations

EMMANUEL ODUGBO

Head Of Operations

Choose Your Path

Three Powerful Ways
to Build Wealth with HGI

Whether you're an investor seeking returns, an entrepreneur needing capital, or a saver building a future — HGI Ltd has the right programme for you.

01 — Earn

Smart Investing

Put your money to work. Invest in carefully vetted Nigerian SMEs and co-operative projects and earn reliable monthly returns — all backed by our rigorous risk management.

3%/mo
Monthly Yield
640+
Active Investors
  • ✓ No hidden fees — fully transparent terms
  • ✓ Start from as little as ₦1,000,000
  • ✓ Monthly payout directly to your account
Start Investing Today
02 — Grow

Flexible Loans

Unlock growth capital designed for Nigerian entrepreneurs. Fast disbursement, fair interest rates, and dedicated support from application to full repayment.

24hrs
Fast Approval
₦2M+
Max Loan Size
  • ✓ Repayment plans up to 3 months
  • ✓ 7% flat interest rate — no hidden charges
  • ✓ CAC-registered co-operative protection
Apply for a Loan
03 — Save

Savings & Co-op

Join Nigeria's growing co-operative savings community. Build financial security with a structured savings plan, earn competitive returns, and access member-exclusive benefits.

10K+
Members
98%
Recovery Rate
  • ✓ Structured daily, weekly & monthly plans
  • ✓ Priority loan access for active savers
  • ✓ Trusted by 10,000+ members nationwide
Start Saving Now
CAC Registered & Licensed
Payouts every 30 days
10,000+ members nationwide
0+
Members Funded
Across multiple states in Nigeria
₦0B+
Total Capital Deployed
Since inception
0+
Active Investors
Earning monthly returns
0%
Repayment Rate
Industry-leading recovery
Success Stories

What People has to Say.

Discover how Heaven's Global Investment Ltd is empowering investors and entrepreneurs across Nigeria.

Cooperative Saver
Hadiza Yusuf
Merchant, Kaduna Central Market

"Saving with Heaven's Global Investment cooperative has completely transformed my retail business. The daily Esusu thrift collections are highly reliable, and securing quick cash flow to restock our inventory has never been easier."

★★★★★
Agro-Business Owner
Obinna Okafor
CEO, Romi Agro-Processing

"We secured a fast expansion loan from HGI to purchase new milling equipment. The flat monthly interest rate of 4.0% was fully transparent, and capital was disbursed to our bank account in less than 48 hours."

★★★★★
Cooperative Investor
Amina Ibrahim
Senior Health Officer, Kaduna

"I locked my target savings with HGI to secure my children's university tuition fees. The 5.0% annual dividend return was paid exactly on maturity. Visiting their office beside Command School in Romi is always a pleasure."

★★★★★
Micro-Merchant
Musa Yusuf
Proprietor, Yusuf Woodworks, Romi

"As a local artisan shop, getting commercial bank loans was impossible. HGI assessed our business metrics through statement history and BVN, enabling us to double our production capacity."

★★★★★
Fixed Wealth Investor
Grace Danjuma
Private Partner, Kaduna

"HGI's fixed match investment has been my most reliable asset. The 3.0% monthly return drops directly into my bank account every 30 days without fail. Secure, regulated, and highly transparent."

★★★★★
Got Questions?

Frequently Asked Questions

Quick answers to help you understand Heaven's Global Investment Ltd.

How much can I borrow?

+
Our minimum loan amount is NGN20,000 and the maximum is NGN1,000,000. The approved amount depends on the borrower's repayment capacity based on verifiable income and other eligibility criteria. Loan approval is subject to 70% to 100% of the customer's net monthly salary inflow.

Do I need to register before I can apply for a loan?

+
Yes. A one-time registration is required before you can apply for a loan.

Is there any fee for the registration?

+
Yes. A one-time registration fee of NGN5,000 is required.

What documents do I require to get a loan?

+
You will need a completed application form, a recent payslip, passport photograph, valid ID card, staff ID, authority to debit form, and a completed guarantor form.

How long does it take to process a loan?

+
Loan processing takes less than 48 hours. Once approved, the loan will be disbursed into your salary account within 8 hours.

What is your interest rate?

+
Our interest rate is fixed at 7% per month.

Are there any hidden charges?

+
No. There are no hidden charges.

Do you charge any management fees?

+
Yes. We charge a management fee of 3% plus a non-refundable search fee of NGN1,000.

Can I liquidate a loan at any time?

+
Yes. You can liquidate your loan at any point in time.

Are there liquidation charges?

+
No. There are no liquidation charges.

Will I be charged for the months I have not used?

+
No. You will not be charged for unused months. However, if the loan enters a new month before liquidation, the full interest for that month will apply.

What is the highest duration of your loans?

+
Our loan tenor ranges from 3 to 4 months, depending on the loan amount and the customer's relationship with the company.

Why was I offered less than I applied for?

+
Your debt-to-income ratio may not support the amount requested. We will offer an amount that ensures convenient repayment.

Can my loan application be rejected?

+
Yes. Your loan application may be rejected if it does not meet our eligibility criteria.

How do I repay my loan?

+
Loan repayment may be made through salary deduction, direct debit, post-dated salary cheques, or self-transfer, depending on the agreed repayment arrangement.

How soon can I apply for another loan after repayment?

+
You can apply for another loan immediately after fully repaying your existing loan.

Can I have more than one loan running at the same time?

+
No. Only one active loan is allowed at a time.

Do you buy over loans?

+
No. We do not offer loan buy-over services.

What happens if my loan application is rejected?

+
Your account officer will contact you and explain why your loan application was not approved.

Do you offer loan top-ups?

+
No. We do not offer loan top-up services.

Can I extend my loan tenor?

+
No. Our loans are short-term facilities and cannot be extended.

Can you disburse my loan into an account other than my salary account?

+
No. Loan disbursements are made only into your salary account.

Why do you request my BVN?

+
Your Bank Verification Number (BVN) is required in compliance with the Central Bank of Nigeria (CBN) Know Your Customer (KYC) policy applicable to all financial institutions.

Do I need to be in paid employment to access your loans?

+
Yes. You must be a salary earner and gainfully employed by either a government or private organization in Nigeria to qualify for any of our loan products.

What is Heaven's Global Investment Limited?

+
Heaven's Global Investment Limited is a leading financial institution dedicated to empowering individuals, businesses, and low- to middle-income employees through innovative financial solutions. With a focus on accessible and customer-centric services, we help our clients achieve financial stability and long-term prosperity.

Where is Heaven's Global Investment Limited located and how can I contact you?

+
Our head office is located at FF6/7, Zabura Plaza, Off Samrada Junction, Beside Command Secondary School, Romi, Kaduna, Nigeria. You can contact our support team on +234 708 263 5771 or via email at support@heavensglobalinvestment.com.

Is Heaven's Global Investment Limited duly incorporated?

+
Yes. Heaven's Global Investment Limited is duly incorporated and registered with the Corporate Affairs Commission (CAC) of Nigeria.
Your Journey Starts Here

Build Wealth. Secure Loans.
Transform Your Future.

Join a growing community of investors, savers, and entrepreneurs accessing Nigeria's most trusted micro-finance co-operative. Start with as little as ₦1,000,000 today.

₦2B+
Total Disbursed
3.0%
Monthly ROI
98%
Repayment Rate
Start Investing Apply for a Loan

Get financial tips & updates in your inbox

No spam — unsubscribe anytime.

Insights & Advisory

Financial Insights

Stay informed with expert analysis, market trends, and business strategies from our advisory team at HGI Ltd.

HGI Marketing Storm at Federal Co-operative College Abuja Road Junction
Marketing & Outreach

Expanding Awareness Through Marketing Storm at Federal Co-operative College, Abuja Road Junction

As part of our commitment to community engagement and awareness creation, our team recently carried out a successful Marketing Storm at the Federal Co-operative College, Abuja Road Junction. The outreach activity was aimed at connecting with members of the public, sharing valuable information, and promoting our services and initiatives directly within the community.

May 15, 2026 · 4 min read Read More →
HGI Staff Training and Monthly Performance Review Session
Company News

Building Stronger Teams Through Monthly Performance Review & Staff Training

Growth and excellence in any organization are achieved through continuous learning, teamwork, and regular evaluation. Our recent Monthly Performance Review Report (MPRR) and Staff Training Session served as an important platform to assess progress, strengthen collaboration, and equip team members with the knowledge and skills needed for greater impact.

May 15, 2026 · 4 min read Read More →
View All Articles →