About us
SUBA Capital is an agribusiness microfinance institution that leverages technology to crowdsource funds to farm, produce and sell agricultural produce in commercial quantities to industrial food processors.

We offer thrift savngs, micro investment and micro loan credit services to employees, traders, and small farm holders (growers) as working capital (farm labour) to boost agricultural food production to meet the ever increasing market demand.

As Africa's fast rising agribusiness microfinance institution; we provide profitable investment opportunities in agriculture to our contributors. Our Thrift Savings and Investment Contribution plans helps you grow your capital with ease through it's investment in agriculture.

With our investment portfolio cutting across agricultural bio asset, micro finance services, commodity trade, supply chain management, real estate, and business development, we are poised to deliver you with value in capital growth as our savings and investment contributor.
Our Vision:

To be Africa's foremost agribusiness microfinance institution.

Our Mission:

To facilitate wealth growth through profitable opportunities in agriculture.

Our Objective:

To be the capital 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 financial and support services through agriculture.

goal 2

Improve Food Security through the our investment in agriculture and developing sustainable communities as a viable means to solve the problem of hunger.


Creating opportunities for self-employment for the underprivileged.

goal 8

Create Jobs by equiping the average and low income earners with skills that enable them, harness resources and create wealth.


Mobilizing resources to empower low and average income earners to create more and reduce poverty.

Our Solution is...

Providing you with the opportunity to grow your contributed capital at ease through agriculture. Your capital grows 20% per annum as a Thrift Saver and 40% per annum as an Investment Contributor.

As a small farm holder, trader, or small business owner, we will give you ease access to raise capital funds for your farm or business at just 2% monthly rate.

Our Process:

For Our Contributors:
SUBA Capital provides a secure automated platform for interested persons to contribute towards our agriculture and microfinance business in return for profit on contributed capital amount.

As a contributor, you can track your contributions, and interest growth via a secured dashboard on this platform. 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 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, cash assets, as well as lend a portion of the contributed funds to small farm holders, traders and small business owners.

Interest & Returns on Investments:
Our secured automated co-banking system computes your interest and returns on investment monhtly. However, contributors can only initiate a withdrawal request for return on investment (ROI) once every 6 months for investment contributors and contributed capital plus interest withdrawal request at the end of the contribution plan for both Thrift Savings and Investment Contributors.

Our Supply Chain Management Strategy:
We identify profitable agricultural commodities, based on ready market,high demand, and post harvest storage. We then 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 partners to produce a bumper harvest.

We source and engage ready buyers even before the maturity and harvest of the crops so as to meet up with our interest and return on investment (ROI) payout obligations.

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Licences & Insurance:

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).

SUBA Cooperative Ltd is a licensed cooperative society by the Federal Directorate of Cooperatives under the Nigerian Cooperative Act (2004) trading under the brand name; "SUBA Capital".

SUBA Cooperative Ltd is registered and licensed microfinance institution with the Association of Non-Bank Microfinance Institutions (ANMFI) for 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.

We are Insured by: