Returns calculator
See what your capital earns
Enter an amount and a term. Figures use the 5% monthly rate on your principal, with no compounding.
| Payout | Return | Principal | Total |
|---|
How it works
From signing to your first payout
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Sign and fund
We agree the amount and term. You sign the Investment Portfolio Agreement and transfer the principal. We issue a written receipt.
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Capital is deployed
Your funds are used to disburse loans to borrowers who have passed identity and KYC checks, each on a fixed repayment schedule.
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Monthly returns
5% of your principal is calculated on each 30-day cycle and paid to your bank account, or held to be paid quarterly or at maturity.
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Renew or redeem
At the end of the term, renew for a further term or request your principal, returned within 14 business days.
How your capital is managed
Lending run on a system, not a spreadsheet
Every loan and every investor portfolio is managed on Ayaweisoft's own lending and investment platform, built by our technology team, the same team behind the I-sabi super app and the Ayaweisoft CRM.
Verified borrowers
No loan is created until the borrower's identity documents and KYC review are approved, and repayment accounts are verified.
Fixed repayment schedules
Every loan has a signed contract and a month-by-month repayment schedule set before any money is released.
Active collections
Borrowers receive automatic reminders before each due date, and overdue accounts are followed up by a dedicated collections desk.
Your own investor view
Sign in with a one-time code to see your portfolio, payout schedule and payment history at any time.
Payout reminders
Your relationship manager is alerted before every payout date, so payments are scheduled ahead of time.
Full audit trail
Every approval, disbursement, repayment and payout is recorded with who did it and when, and cannot be edited afterwards.
Terms at a glance
What you sign up to
A summary of the Investment Portfolio Agreement. The signed agreement is the binding document.
| Return | 5% of the principal per month, calculated on a 30-day cycle. Cl. 4.1–4.2 |
|---|---|
| Payout | Paid by bank transfer after each cycle. Quarterly or at-maturity payment can be agreed at signing. |
| Term and lock-in | A fixed minimum term agreed at signing. There is no early withdrawal of principal during the term. Cl. 5.1, 6.1 |
| Principal redemption | Returned in full within 14 business days of your redemption request after the term ends. Cl. 5.2 |
| Renewal | Renew for a further term of equal length by written agreement at least 14 business days before expiry. Cl. 5.3 |
| Use of funds | Deployed by the Company for the disbursement of loans. Recitals |
| Payment in | Electronic transfer or bank deposit to the Company's corporate account only, with a written receipt. Cl. 3.2 |
| Governing law | Laws of the Federal Republic of Nigeria. Disputes go to negotiation, then binding arbitration. Cl. 13 |
Licensed and accountable
A licensed money lender you can verify
Money Lender’s Licence
- Licensee
- Ayaweisoft Limited, RC 1741104
- Issued by
- Chief District/Magistrate Court of the Federal Capital Territory, Abuja
- Law
- Money Lenders Act, Cap. 525 (1990), Section 5(2)
- Registration no.
- 135
- Valid
- 22 July 2026 to 23 July 2027
Copies of our licence and certificate are available on request.
Good to know
- Your agreement protects you. Your return, term and principal redemption are written into a signed Investment Portfolio Agreement governed by Nigerian law.
- Choose a term that fits your plans. Your principal stays invested for the term you agree, so pick the length that suits you.
- Figures are illustrations. Calculator amounts are before any applicable taxes. The signed agreement sets the binding terms.
- Pay only into our corporate account. Ayaweisoft staff will never ask you to pay into a personal account.
Next step
Talk to our investment team
Call or email us to agree your amount and term. We will send you the Investment Portfolio Agreement to review before anything is signed.