About us
SUBA Capital is a farming, trading and business advisory company that leverages technology and cooperative crowdfunding to farm, produce crops and sell agricultural commodities in commercial quantities to industrial food processors.

To finance our venture, we offer profitable Savings and Investment plans to the contributing public through a licensed finance cooperative. We then commit 60% of the contributed funds to our agribusiness value chain - (Farming and Commodity Trade) - and 40% to contributor microcredit and agro-allied fixed income.

As Africa's fast rising agribusiness 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 at ease through your savings and investment in our agricultural value chain.

Your capital grows by up to 20% per annum as a Saver and up to 40% per annum as an Investment Contributor.

As a Contributor, you can raise between N50,000 - N500,000 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 Thrift & Credit Cooperative under the name; SUBA Thrift & Credit Cooperative Society Limited. With the license, SUBA Cooperative Ltd started to receive thrift savings and investment contributions to carry on business in agriculture, trade, and more...

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

In 2020, SUBA Cooperative Ltd partnered with Riby Finance to leverage a fully automated Cooperative Banking technology, affiliates with 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 company.

Our Mission:

To facilitate wealth growth through profitable opportunities in agriculture.

Our Objective:

To be the wealth growth partner of choice, for individuals and business owners.

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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 60% of contributed funds to secure farm land lease, engage farm workers, plant seeds, insure the farm and crops, complete the gestation period and cover the cost of logistics to sell the harvest.

We also trade (buy & Sell) agriculture produce, invest in fixed income assets, as well engage in Contributor lending with the balance 40% of the contributed funds. This is how we generate the profit being shared as interest and returns with our contributors.

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 Thrift 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 crowdfunding 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.

iii. We have the best hands when it comes to technical know how of managing an agribusiness venture as well as fund managemtn experts on our management team and advisory board.

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 agribusiness. Else our contributors wont be growing so fast.

So what are you waiting for?

solution
solution

Licences & Insurance:

SUBA Cooperative Ltd is a licensed cooperative society by the Edo Cooperative Federation under the Nigerian Cooperative Act (2004) trading under the brand name; "SUBA Capital".

SUBA Cooperative Ltd is registered an affiliate member of the Association of Non-Bank Microfinance Institutions (ANMFI) for microfinance institution regilators for the Central Bank of Nigeria (CBN).

SUBA Cooperative Ltd is registered with Credit of Bureau of Nigeria and the Special Control Unit Against Money Laundry (SCMUL) awaiting its certificate.

This platform - www.subaonline.org - is operated and managed by SUBA Thrift & Credit Cooperative Society Limited (LN: 00113687) - the microfinance arm of SUBA Capital & Business Solutions Ltd (RC: 1667690).

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/Digital Community Manager

Selina LUX

Admin/Customer Support Officer

Joshua BAMIDELE

Agric. Consultant/Farm Manager

Barr. Elizabeth EZERHUME

Legal Compliance Officer