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Precision instruments for every investor.

Four ways to put your capital to work — each structured, sourced, and managed by our investment team.

Treasury Bills

18.50 – 20.10%

Indicative p.a.

Nigerian Treasury Bills are short-term debt instruments issued by the Federal Government through the CBN. Government-backed and highly liquid, they offer competitive yields with guaranteed principal at maturity - the cornerstone of any disciplined fixed-income strategy.

Tenors

91 · 182 · 364 days

Issuer

Central Bank of Nigeria (CBN)

FGN-guaranteedHighly liquidQuarterly CBN auctionsNo credit risk

For information purposes only. Contact us to discuss this product.

FGN Bonds

17.50 – 19.20%

Indicative p.a.

Federal Government of Nigeria Bonds deliver fixed, semi-annual coupon payments backed by the full faith of the Nigerian sovereign. Tradeable on the NGX, they serve as the bedrock of any long-duration, income-generating portfolio.

Tenors

2 · 5 · 7 · 10 years

Issuer

Debt Management Office (DMO)

Semi-annual coupon incomeTax-exemptTradeable on NGXSovereign-backed

For information purposes only. Contact us to discuss this product.

Lending

Structured

Bespoke terms

Access structured lending facilities designed for individuals and businesses with defined capital needs. Whether it is personal financing, business working capital, or asset-backed loans, we engineer lending solutions that match your cash flow and collateral position.

Personal Loans

Tailored facilities for individuals - salary-backed, asset-secured, or structured around personal cash flows.

Business Loans

Working capital, bridge financing, and growth facilities for SMEs and established businesses at structured terms.

Tenors

Flexible

Min. Entry

Case-by-case

Issuer

Competence Asset Management

Personal loansBusiness loansAsset-backed optionsBespoke repayment

Indicative estimate only. Actual rates and terms are confirmed during your application.

Estimated Monthly Repayment

Total Interest
Total Repayable

For information purposes only. Contact us to discuss this product.

Growth Finance

Partnership

Returns-based

You have an idea, a business, or a vision for your next phase of growth. CAM's Growth Finance desk sits with you at the earliest stage - structuring, funding, and executing alongside you as a strategic capital partner, not just a fund manager.

Tenors

Long-term

Min. Entry

Bespoke

Issuer

Competence Asset Management

Strategic partnershipEarly-stage & scale-upBespoke deal structuringLong-horizon thinking
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Every product. Structured with discipline.

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Important Disclaimer: All yields and returns quoted are indicative and subject to change based on market conditions and CBN/DMO auction results. Past returns do not guarantee future performance. Investments in capital market products carry varying degrees of risk. Please read all relevant offer documents before investing.