Grow your wealth with guaranteed, predictable returns.

CreditPRO’s Fixed Term Investment Note is a fixed-income investment product that allows customers to invest a lump sum for a defined period (90 – 365 days) at a predetermined interest rate. It provides security of principal and guaranteed returns, making it ideal for customers seeking predictable, stable income.

Smart Investment Options for Every Investor

Enjoy flexible investment tenors, competitive fixed returns, and tailored financial opportunites designed to help you grow, preserve and secure your wealthwith confidence and long-term stability.

Investment Tenor

Minimum tenor: 90 days
Minimum tenor: 365 days
Options for 90, 180, 270, and 365 days

Minimum/Maximum Investment

Minimum investment: ₦100,000
Maximum investment: ₦500 million
Subject to company discretion & liquidity limits

Interest Rate/Yield Structure

Competitive rates benchmarked against CBN T-Bills and market rates.
Interest paid at maturity
Tiered rates by tenor

Liquidity & Withdrawal Policy

Locked until maturity.
Withdrawal allowed only under early termination policy

Early Termination Policy & Penalties

Investor may terminate before maturity subject to:
Return of principal + 60% of accrued interest (40% forfeiture)
If terminated within the first 90 days, no interest applies

Risk Disclosure

Fixed Term Notes are not insured by NDIC
Subject to counterparty risk of the Finance Company
Early termination may significantly reduce returns

Competitive Edge/USP

Higher yields than savings accounts and T-Bills.
Transparent withdrawal policy with clear penalties.
Flexible tenor options to suit investor needs.
Backed by CBN-licensed Finance Company credibility.

Compliance / Regulatory Notes

Fully compliant with CBN Finance Company guidelines
Subject to AML/CFT regulations

Fixed Term Notes — Rate Guide

Maximize your yield with our flexible and secure fixed placement options

Investment Amount (₦)	90 Days	180 Days	270 Days	360 Days
Above 50M	21.0%	22.1%	23.1%	24.2%
Between 10M & 50M	20.0%	21.0%	22.0%	23.0%
Between 5M & 9.999M	19.0%	20.4%	21.0%	21.6%
Below 5M	17.0%	18.4%	18.9%	19.4%

Investment Amount (₦)	90 Days	180 Days	270 Days	360 Days
Above 50M	20.10%	20.90%	21.65%	22.50%
Between 10M & 50M	19.20%	19.97%	20.65%	21.40%
Between 5M & 9.999M	18.30%	19.44%	19.97%	20.30%
Below 5M	16.55%	17.90%	18.35%	18.70%

Invest Now

Your Gateway to Diverse Opportunities and Financial Growth

Designed For

Stability Focused Investors

High net-worth individuals can preserve wealth through stable, fixed-income investments with predictable returns.

Cash Flow Stable SMEs

SMEs with predictable cash flow can secure fixed returns on surplus funds without disrupting business operations.

Corporate Investors

Corporates can invest idle cash to earn predictable returns while preserving capital for future business needs.

Salary Earners

Salary earners with disposable income can grow their savings through fixed returns over a defined investment period.

Trusted by:

Patricia Awele Nwarache is a highly experienced professional with a strong background in banking operations, credit risk management, public sector administration, and business leadership. She brings to the Board valuable expertise in credit risk oversight, financial discipline, and operational effectiveness.
She is actively engaged as a contract supplier of goods, demonstrating sound commercial judgement and a solid understanding of procurement and supply chain processes. Patricia previously served as a Branch Manager with Afribank and Mainstreet Bank (now Polaris Bank), where she provided effective operational leadership, team supervision, and performance management.
She has developed strong expertise in Credit Management and Recovery, contributing to improved portfolio quality, strengthened repayment structures, and sound credit risk practices.
Patricia also served as Head of the Administrative Unit at the Nigeria Social Insurance Trust Fund (NSITF), where she demonstrated leadership in policy implementation, institutional coordination, and efficient administrative management.
A distinguished Rotarian, she has held several key leadership roles within Rotary International, reflecting her commitment to integrity, service, and sustainable community development. She is also an active community leader and serves as Secretary of her Estate Association, contributing to stakeholder engagement and community development initiatives.

Peace is a dual-discipline professional with over 8 years of experience at the intersection of Law, Governance, and Human Resources. She bridges legal compliance with people strategy, making her uniquely suited for high-stakes environments such as Fintech, finance, and corporate services.
In her career, Peace has led corporate governance restructuring, managed board processes, and ensured full regulatory compliance with CAMA, SEC rules, and Nigerian labor laws. Her HR leadership includes designing recruitment frameworks for tech and finance talent, managing performance systems, and fostering transparent, conflict-resilient workplace cultures.

She has held key roles at CreditPRO Finance Company Limited, Eko Maintenance Limited, PrescottParsons Partners, and Leonard Anyogo & Co., where she served as Head of Chambers.
Peace holds an LL.B from the University of Calabar and a B.L from the Nigerian Law School, Kano. She is an Associate Member of the Institute of Chartered Mediators and Conciliators (ICMC), is pursuing an LL.M in Jurisprudence and International Law, and is actively working toward certification as a Chartered Secretary with the Institute of Chartered Secretaries and Administrators of Nigeria (ICSAN).

Arc. Samson Akinyosoye is the Principal Consultant and Chief Executive Officer of Proximal Heights Development Limited, with over 20 years of experience in architecture, project development, business consulting, and enterprise development. He is a Management Consultant, Business Development Specialist, and Architect with interests spanning technology, infrastructure, and project finance. He previously co-founded Upperlink Limited, a leading technology solutions company in Nigeria, where he served as Director of Business Development. He also sits on the boards of Habitat Development Centre, First Investment and Properties Limited, and Woodsman Technology Services, with experience across business development, project design, market research, and strategic planning.

He is a member of the Nigerian Institute of Architects, Chartered Institute of Project Management of Nigeria, and Chartered Institute of Arbitrators, and a Fellow of the Institute of Management Consultants, Institute of Planning, and Institute of Business Development, as well as a Certified Management Consultant. He has served in professional leadership roles including Secretary of the Nigerian Institute of Architects, Lagos Chapter, and council member in key industry bodies. He holds Bachelor’s and Master’s degrees in Architecture from Obafemi Awolowo University and has contributed to business and economic discourse through publications and conference presentations, with a focus on technology, project financing, and sustainable enterprise development.

Joy is a highly experienced professional with over 20 years comprehensive experience in Project management from conception to completion, consulting, Business Development and Process Improvements. In the course of her career, she has pioneered the visioning, designing and development of strategic frameworks. She also possesses the skills to provide solutions to client’s changing business needs. The scope of engagement is highly variable and can include core strategy development, large scale implementation, process optimization, change management, and new technology introduction.
She has experience in financial services and housing sectors, having worked with Guaranty Trust Bank, Natwest bank plc uk, Pison Solutions UK, Vangent Plc UK, Coronation Merchant Bank (Formerly Marina Securities)

Joy graduated from the University of Benin with a BSc in Mathematics and Economics. She also obtained an MSc In Corporate Finance and Investment from the London Metropolitan University in London.

Dr. Sola Adeyiga is the Managing Director/Chief Executive Officer of CreditPRO Finance Company Limited and a seasoned financial services executive with over 20 years of experience in banking, credit risk, entrepreneurship, and enterprise development. He is a Fellow of the Institute of Chartered Accountants of Nigeria (FCA) and the Institute of Credit Administration (FICA), with expertise in financial management, credit risk, and strategic leadership. He began his career in 2002 at NAL Bank Plc and later joined Skye Bank Plc in 2005, where he worked across e-Business, Treasury Operations, Capital Markets, IT, and Card Services, rising to Deputy Manager and Head of Credit Card Business before exiting in 2008. He is also the Founder of CreditPRO Business Support Services Limited, which evolved into a CBN-licensed finance company in September 2025.

He holds a Bachelor’s degree in Computer Science from Olabisi Onabanjo University and completed an Executive MBA at Lagos Business School (2008–2009). He further obtained a Postgraduate Diploma in Credit Management in 2020, participated in the Stanford SEED programme (2014–2015), and earned a Doctorate in Business Administration from Rome Business School in December 2025. He qualified as an Associate of ICAN in 2008, winning the Princess Adeniran Ogunsanya Prize in Business Law, and became a Fellow in 2021. His expertise spans financial strategy, credit risk management, regulatory compliance, and business restructuring, and he has led credit solutions, advisory, and SME development initiatives while driving innovation, governance, and sustainable growth within Nigeria’s financial services sector.

Dr. Edwin Idegwu is the Managing Partner/CEO of Reed-Josh Investment & Consulting Services Limited and Chairman of the Board of CreditPRO Finance Company Limited. He also serves on the advisory boards of Kirsten Turner Consulting and Phillip Eze Osuji & Co as a Risk Management and Financial Advisor. He is a Credit Management and Insolvency Practitioner with over 20 years of experience in banking and finance, having held senior roles including Group Head, Enterprise Risk Management; Head, Multinational & Corporate Group; and Group Head, Recovery & Restructuring across institutions such as Abbey Building Society, Allstates Trust Bank (now Ecobank), Sterling Bank, Access Bank, and Afribank (now Polaris Bank).

He has expertise in corporate strategy, enterprise risk management, forensic audit, financial analysis, insolvency, and corporate governance. He is an economic analyst on fiscal and monetary policy and a faculty member at institutions including the National Institute of Credit Administration, Postgraduate School of Credit and Financial Management, and the Business Recovery and Insolvency Practitioners Association of Nigeria. He holds Master’s and Bachelor’s degrees in Economics and a postgraduate executive diploma in Credit and Financial Management (UK). He is a Fellow of the National Institute of Credit Administration and the Certified Institute of Cost Management of Nigeria, and a Council Member and accredited Insolvency Practitioner with the Corporate Affairs Commission.