Welcome to Fruitvest
....helping people,building business
With the strength of our support system and a growing community, you can steadily grow your money, build financial discipline, and achieve your financial goals with clarity, confidence, and peace of mind.
Why Join Fruitvest?
Save towards those business or personal goals, plus up to 300% free collateral loan support as a member of Fruitful Vineyard Cooperative Multipurpose Society Limited.
- Target savings
- Business and Personal Loans
- Members Shareholdership
- Access to Project Finance and other business supports
- Local and international Grants
FruitVest is on a mission to give everyone the power to better manage and grow their finances.We believe financial freedom should not be reserved for a privileged few. It should be accessible, practical, and achievable for everyone — regardless of background, income level, or experience.At FruitVest, we are committed to building a platform that empowers individuals and businesses to take control of their financial future with confidence. Through smart saving solutions, easy access to funding, and real income-generating investment opportunities, we make wealth creation simple, transparent, and rewarding.
We are driven by excellence, and we intend to be the very best at what we do — setting new standards in trust, performance, and customer experience.At FruitVest, your financial growth is not just our service. It is our mission
Whether it’s a car for work, Home appliances, or equipment for work,
Fruitvest helps you own it — stress-free and affordably financed. Just apply, get approved, and own it
We offer micro loans. Get up to 300% hassle-free, collateral-free Personal & Business loans. We guarantee swift approval for eligible salary earners in the private and public sectors for all members.
Embrace life's chances with Fruitvest today!
- Personal Loan
- Business Support Loan
- Daily needs Loan
- Education Loan
Not everyone has cultivated the habit of saving, but we encourage our members to save towards achieving their goals.
Whether you're saving for an emergency, a future expense, or simply to grow your wealth, we have a savings plan that suits your needs
We offer micro savings accounts that let members build their nest egg one small deposit at a time. By combining flexible financing with simple savings tools, we help people plan for tomorrow and seize opportunities today.
Fruitvest has provided a suitable means to make savings easier and more interesting by giving our members good returns during and after savings.
Earn 12%–20% interest per annum when you save with any of our savings plans.
- Flexible Savings Options: Choose between daily, weekly, monthly, or target or fixed savings plans, starting from as low as ₦500.
- Earn interest Rewards: At the end of your savings term, you can withdraw your interest and savings in cash.
- Attractive Rewards:
- Up to 12% -20% return on 12-month savings plans.
Referral Benefits (Optional)
While referral is not required, members who refer others to save can earn commission from their referrals under our Fruitvest savings platform.
Why Choose Us?
Fruitvest is built on trust, transparency, and real value:
- Registered & Transparent: Operated by Fruitful Vineyard Cooperative Society Limited and duly registered under Lagos State Cooperative Law.
- Flexible Payouts: Receive your earnings right on schedule.
- Social Impact: Your savings support small businesses, empower entrepreneurs, and help reduce poverty through cooperative-driven community projects.
- No Hidden Fees: Clear terms, straightforward benefits, and a member-first approach—no surprises.
A Safe and Sustainable System
All earnings come from a structured cooperative investment model that reinvests pooled funds into verified, profitable ventures. The system is designed for long-term sustainability, backed by member savings, cooperative bylaws, and strong financial accountability.
Summary
Whether you’re saving for a project, planning household expenses, or just want a structured way to grow your money, Fruitvest is here to help — with interest rewards that suit your lifestyle.
Easy investments with high returns. Your money is safe with us
You can invest in our ongoing investment plans or invest in any of our special projects
That’s why we’re committed to supporting our members beyond investments—right into their daily lives.
We operate a members-only group buying & food sharing that supplies essential food items and household needs for both children and adults. By purchasing in bulk as a cooperative and sharing within the community, members enjoy several key benefits—especially access to a wider variety of food at more affordable prices.
No matter your income level, you can maintain a more balanced and consistent diet. We source a wide range of food and daily essentials directly from manufacturers and suppliers, allowing us to offer them to members at significantly reduced prices.
Through our bulk-buying model, up to 90% of our products are available at exclusive member-only discounts—prices you won’t find elsewhere.
This helps members cut down on everyday spending and free up more money for savings and investments.
As a cooperative, we also leverage strong partnerships with manufacturers, including access to favorable pricing and financing options—ensuring long-term value and sustainability for our members.
product/Services
Target Saving/Emergency
Achieve your financial goals faster. 💰 Whether you're planning to start a new business, go on a vacation,reach an important milestone or save for emergency.Your goals may include, Tuition, Rent, Car/ Automobile, Home Ownership or more. you can save toward any goal—either individually or as a group. Be Prepared for the Unexpected: Set aside money for emergencies with our Emergency Savings Plan. Whether it's a medical expense, urgent home repair, or any unforeseen event, your savings will be ready when you need them the most. With the right plan and commitment, your dreams can become a reality sooner. you can decide to save daily,weekly or monthly you can start with as low as N1,000 Earn 20% interest per annum when you save with target saving plan Easy Access: When You Need It: access your funds quickly without waiting for days. Your money is there for you, ready for withdrawal whenever necessary. Note: It’s not advisable to withdraw from your savings account until end of tenure e.g 6months or 12months except in rear cases.if you break a Target before the due date,you'll forfeit all the acrued interest and pay 1% fee Remember this is a continuous savings plan that offers you up to 20% Dividend Bonus annually; gives you access to 300% personal or business loan. Note: Your contribution is secured at Fruitful vineyard Cooperative for as many years you desire to save.
Fixed Savings/Locked
Earn Up to 35% returns in our fixed savings Set aside funds for a fixed period of time without having access to it until maturity. Discipline Your Savings Set aside your money upto 30–365 days and safeguard it from unnecessary spending. Deposit on your terms and choose the tenor that fits your financial needs. Available tenors are 60 days, 90days, 120 days, 180 days, and 365 days You can Earn the interest upfront,every month or at maturity Up to 36% interest per annum, 3% every month, paid upfront or at maturity
Loan & Credit
Empower Your Dreams. Fund Your Future. At fruivest, we believe that access to credit should be easy, fair, and designed around real life. Whether you’re growing a business, covering seasonal expenses, or grabbing an opportunity, our Loans & Credit services give you the flexibility and speed you need — with rates and repayment terms that put you in control Fruitvest Loans & Credit is here to support you every step of the way. We provide timely, flexible, and reliable financial solutions designed to help you move forward with confidence, stay productive, and keep your plans on track—no matter the situation. We have business support and personal loans. The business support loan gives clients the opportunity to access larger loan at Small & Medium Enterprise levels. The loan amount ranges from ₦100,000.00 to ₦5,000,000.00. Repayment is flexible and made in equal monthly installments over a period of 12 months. The personal Loan is designed for the working class and Civil Servants to help them bridge shortfalls in their finances. The loan is fast, easy, and convenient, and can be accessed within 24hhours. Loan amounts range from a minimum of ₦20,000.00 to a maximum of ₦1,000,000.Members can take loans valued 300% more of their total savings Personal and business loans help members to save money and repay the loan over a reasonable period of time at a fair and fixed rate of interest. The repayment will be as agreed and signed by the member
Investment
Simplified investing with strong returns. Access low-risk, high-yield opportunities, secure consistent earnings, and grow your wealth at your own pace.We’ve made investing simple for everyone. You can now access carefully vetted, low- to medium-risk investment opportunities—both primary and secondary—starting with as low as N5,000.investment is no longer out of reach. Everyone is welcome.Invest and get upto 36% return on your investment
Asset ownership & project finance
Get your favourite home appliances,Equipment and gadgets enjoy the convenience of paying in easy instalments with fruitvest Buy Now Pay Later.whether its Keke (tricycle) for personal transport or business.personal cars for small-scale commercial use.Agricultural & Industrial Equipment,Special-Purpose home appliance .Fruitvest’s Buy Now, Pay Later program is built to give you flexibility without the stress. With competitive interest rates and affordable repayment plans, To access fruitvest's Buy Now, Pay Later (BNPL) service, members are required to make an initial down payment of at least 30% of the product's total cost. This upfront payment confirms your commitment and allows us to process your order efficiently. The remaining balance is then spread across flexible installment plans, ranging from 6 months to 24 months, you get the freedom to choose a repayment schedule that fits comfortably within your budget and cash flow.Our financing options come with competitive interest rates of 15% that make financing affordable for every fruitvest member. The more consistent you are with cooperative contributions, the better the interest rate you’ll receive.
Food Sharing
Time to time we do group buying of food and share among our members.Buying food in wholesale and sharing it through a cooperative is a strategic approach to lowering household costs, particularly for foods like rice, beans, and oil. By pooling funds and purchasing directly from wholesalers or producers, cooperatives bypass retail markups, allowing members to save money while enjoying better food security.Advantages of Sharing via a Cooperative A cooperative (or "food sharing group") maximizes the benefits of bulk buying by allowing individuals to split large quantities. Affordable Access: Participants can buy in large, cheaper quantities even with limited income, splitting a 50kg bag of rice or a large tin of oil among several households. Increased Bargaining Power: Groups can negotiate better prices directly with farmers or major wholesalers, securing rates not available to individual shoppers. Variety of Foodstuffs: Cooperatives allow members to access a wider variety of foods—such as rice, beans, palm oil, pasta, and even spices—without needing the high individual capital to buy every item in bulk.If you have the means, buy in bulk! It saves money, saves time, and saves you from unnecessary stress later on. 🛒💰 No more rushing to the market or worrying about sudden price increases you already have what you need. A little planning today can make life a lot easier tomorrow
Our Projects
FMCG TRADING & DISTRIBUTION BUSINESS
We are into partnership and distribution of FMCG products. Fast-moving consumer goods (FMCGs) are products that are sold quickly, are affordable for consumers, and have high turnover for companies. The Nigerian FMCG sector is worth over $30 billion as we speak, and it keeps growing because people will always eat no matter what the economy looks like. Everyone uses FMCGs daily. So, with a minimum of N200,000 or more, you can trade with us in the FMCG business 5% monthly, paid 30% in 6 months (N60k), and capital return after 12 months Minimum trading capital=N200k maximum=N10 million or 7% every month, paid after 10 months.Both capital and interest return(N850,000) Minimum trading capital=N500k maximum=N20 million
AGRO FARMING TRADING
Be part of our cooperative partnership in the agro-farming business @ 36% in 12 months. This project fits perfectly into our broader strategy to invest in secured agro farming projects and properties in fast-developing communities for multi-functional developments. With the help of our Cooperative partners, we are acquiring 1 acre of land for the purpose of the farming in Ogun State. We also have plans to acquire an additional more Acres in other community and states upon completion of our designated Estate development projects earmarked for Palmoil and Plantain plantation City over the course of the year. 3% monthly Minimum Trading capital-N50,000-N1million. 3% paid every month for 12 month and capital return 4% monthly Minimum trading capital=N100k-N5million 4% monthly paid every 3 months and capital return in 12month
CASHEW PLANTAION
Cashew farming in Nigeria is a highly lucrative, rapidly growing agricultural sector, with the country ranking as the 6th largest producer globally and 3rd in Africa.it offers a 30–50 year investment lifespan, generating significant income through raw nut exports and processing COMING SOON
Testimonials
Contact
- 17 Olayiwola Street, Lagos, Nigeria
- Mon-Fri - 09:00 Am -6:00 PM