About us
SUBA Capital is a hybrid agribusiness and microfinance company that leverages technology and cooperative funding to finance the production of food crops in commercial quantities for industrial food processors.

To finance our venture, we offer profitable Savings and Investment Contribution plans to the public under a licensed financial cooperative. We then commit the contributed funds to our agribusiness value chain - Food Crop Production, Commodity Trade, Secured Agro-allied Fixed Income and Smallholder Farmer Microcredit Scheme.

As Africa's fast rising foremost agribusiness and microfinance company; we provide profitable savings and investment opportunities in agriculture to our contributors.

Our portfolio cuts across agricultural bio asset (farms), commodity trade, supply chain management, and business advisory services. With these, we are poised to deliver value in capital growth to you; our savings and investment contributors.


Our Proposition is...

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

Your capital grows by up to 5% - 39.5% as a Contributor.

As a Contributor, you can raise between N20,000 - N100,000 micro capital loan with ease at SUBA Capital at just 2% monthly interest.

Our Story

In 2014, StartUp Business Africa (SUBA), started out as a digital business community.

In 2017, SUBA got licensed to operate a Financial Cooperative under the name; SUBA Thrift & Credit Cooperative Society Limited. With the license, SUBA Cooperative Ltd started to receive savings and investment contributions to carry on business in agriculture, trade, and more...

In 2019, SUBA Capital launched online to start leveraging technology to facilitate borderless Cooperative funding for our agribusiness venture.

In 2020, SUBA Capital partnered with Riby Finance to leverage a fully automated Cooperative Banking technology, and affiliates with the Association of Non-Bank Microfinance Institutions (ANMFI) to become a recognised microfinance institution, and incorporated as a limited liability company with Corporate Affairs Commmission (CAC) under the name "SUBA Capital & Business Solutions Limited".



Our Vision:

To be Africa's foremost agribusiness and microfinance 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 company, 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 through the our agribusiness value chain as a viable means to solve the problem of hunger.


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, 12 and 24 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 finance cooperative, then we make inputs in farm land lease, improved seeds 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 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?

solution
solution

Licences & Insurance:

SUBA Capital is a licensed Finaicial Cooperative under the Nigerian Cooperative Act (2004).

SUBA Capital is registered an 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:

MEET OUR TEAM

Silas-Ozoya

Silas OZOYA

Founder/CEO

Richard ARAROMI

CTO

Joy OZOYA

Co-Founder/COO

Onyekachukwu OGBONNA

Retail Growth/Community Manager

Selina LUX

Admin/Customer Support Officer

Joshua BAMIDELE

Agric. Consultant/Farm Manager

Barr. Elizabeth EZERHUME

Legal Compliance Officer