Invest Once.
Earn Every Month.
Profeight puts your capital to work inside Nigeria's most structurally sound lending ecosystem — government salary loans, backed by Remita automated payroll deductions. Earn up to 2.5% per month. 30% per annum. With monthly returns, full transparency, and a track record you can verify.
We ask you to trust
a system, not a promise.
Every naira of investor capital deployed by Profeight goes into loans issued to verified Nigerian government salary earners enrolled on Remita. When a borrower's repayment date arrives, Remita deducts the amount from their gross salary — before the money is ever credited to their account. The borrower never touches the repayment. There is no opportunity for default through negligence or avoidance.
This structural reality is why our predecessor operation maintained a 2% non-performing loan rate across 24,000 borrowers. That is not an estimate. That is a verified operational figure.
When you invest with Profeight, your return is backed by this same system — not by projections, not by market speculation, but by government payroll automation.
Select the investment plan that matches your capacity.
All tiers include monthly return payments and full monthly portfolio reporting.
- Signed investment agreement
- Monthly return to your nominated account
- Monthly portfolio performance report
- Dedicated investor support line
- Everything in Foundation, plus:
- Quarterly portfolio review call
- Priority investor support
- Advance notice of new product launches
- Everything in Momentum, plus:
- Direct engagement with the Profeight Management team
- Access to quarterly management accounts
- Bespoke investment structure (tenor, reporting format)
- Named portfolio assignment as additional security
| Feature | Foundation | Momentum | Pinnacle |
|---|---|---|---|
| Minimum Investment | ₦50,000 | ₦5,000,000 | ₦50,000,000 |
| Monthly Return | 2.0% | 2.25% | 2.5% |
| Annual Return | 24% | 27% | 30% |
| Monthly Returns | ✓ | ✓ | ✓ |
| Monthly Report | ✓ | ✓ | ✓ |
| Quarterly Review | — | ✓ | ✓ |
| Direct MD Engagement | — | — | ✓ |
| Management Accounts | — | — | ✓ |
Four layers of
investor protection.
Remita Payroll Automation
Every borrower repays through Nigeria's federal payroll deduction system. Repayments are collected before salary reaches the borrower. Default requires the government to stop paying the employee — an extreme scenario.
Sector-Leading 2% NPL
Our predecessor operation maintained a 2% non-performing loan rate across 24,000 borrowers. Our Year 1 target is 3% — deliberately conservative.
Mandatory Liquidity Reserve
Profeight maintains a minimum liquidity reserve at all times — a cash buffer ring-fenced from the active loan portfolio and available to ensure investor obligations are always met.
Monthly Transparent Reporting
Every investor receives a detailed monthly report: disbursements made, repayments received, NPL figures, and portfolio performance by employer group. No black boxes.
Five steps to
your first return.
Select Your Tier
Choose Foundation, Momentum, or Pinnacle based on your investment amount and the return level that matches your goals. Not sure which tier is right? Contact our investor relations team.
Complete Your Application
Submit your investment application with basic KYC information — a valid ID, BVN, and bank account details. All investor information is handled in compliance with NDPR.
Sign Your Agreement
Receive and sign your formal Profeight Investment Agreement. This document confirms your investment amount, monthly return rate, tenor, and return payment schedule.
Fund Your Investment
Transfer your capital to Profeight's designated investor account. Receive written confirmation within 24 hours.
Receive Monthly Returns
Your returns are credited to your nominated bank account every month, alongside your portfolio performance report. That's it.
Your questions, answered.
When do I receive my returns?
Monthly returns are paid to your nominated bank account at the end of each calendar month, alongside your portfolio performance report.
Can I withdraw my capital early?
Investment agreements are structured for the agreed tenor. Early exits are subject to the terms in your investment agreement. Contact our investor relations team to discuss your specific situation.
What is the minimum investment?
₦50,000 for the Foundation tier. There is no maximum — Pinnacle investors are accommodated on a tailored basis.
How is my investment secured?
Your capital is deployed into a portfolio of government salary loans, all collected via Remita automated payroll deduction. Profeight also maintains a mandatory liquidity reserve, and all investor relationships are governed by signed agreements.
What if Profeight's NPL rate rises significantly?
Even in a stress-tested scenario of 15% NPL — a figure that has never occurred in the predecessor operation and would require mass government default — Profeight's financial model projects continued profitability and the ability to honour investor obligations.
Is this regulated?
Profeight Group Limited is incorporated under CAMA (CAC) and operates in compliance with FCCPC Digital Lending Code, Consumer Credit Act, and NDPR. Our strategic roadmap includes a CBN Microfinance Bank or Finance Company licence application.
Consistent. Transparent. Proven.
Profeight investment plans are open now across all three tiers. Monthly returns, signed agreements, full reporting.