Cooperative Wealth Pathways
Choose the model that matches your financial timeline and savings goals.
Fixed Investment
Back qualified SME projects via our cooperative microlending matching pool and secure fixed passive cashflow.
Investment
Save towards major milestones (school fees, housing, business expansions) over customized lock periods with bonus rates.
Daily Thrift
Participate in our daily thrift program. Access high liquidity and emergency co-operative loan credit matching.
How We Protect Your Capital
Capital protection is our priority. As a registered cooperative society (RC: 7125875), HGI Ltd enforces a multiple-stage security system to back all microlending investments.
Regulatory Compliant
Operating in strict compliance with the Kaduna State Cooperative Societies laws.
40-Point Risk Diligence
Every applicant SME undergoes strict financial audit, character profiling, site verification, and credit bureau scans. We match capital with the top 5% performing SMEs.
Asset Backing & Guarantees
Loans matched to SMEs are backed by physical collateral, signed post-dated cheques, and direct covenants from two qualified guarantors.
Risk Reserve Pools
We set aside a percentage of cooperative income into an emergency risk pool. This acts as a liquidity cushion to protect investor capital from unforeseen market issues.
Three Steps to Passive Returns
Starting your wealth growth journey with Heaven's Global Investment is quick and secure.
Create Member Account
Sign up on our member portal with your BVN, address, and valid identity slip to unlock cooperative access.
Choose a Capital Plan
Select from Fixed Investment packages starting at ₦1,000,000, daily thrift, or custom target lock plans.
Monitor & Payout
Track accrued dividends and monthly returns on your dashboard. Withdraw directly to your bank account anytime.
Investor FAQs
Everything you need to know about our microlending co-operative investment model.