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Heritage Multipurpose Cooperative helps you develop a consistent savings habit and rewards you with loan access after 90 days of contribution.
40+
Active Members
₦30M+
Total Saved
₦120M+
Loans Disbursed
2+
Years Active
Sign up and complete your KYC onboarding in minutes. Your data is secured and encrypted.
Select from 5 packages (Bronze to Emerald) based on your daily savings capacity.
Contribute your daily amount for 90 days to unlock your loan entitlement.
All packages unlock a loan after 90 days.
Start small and build the savings habit.
Daily
₦500
Duration
90 days
Loan
₦100,000
Registration fee
₦5,000
Double your momentum towards bigger goals.
Daily
₦2,000
Duration
90 days
Loan
₦360,000
Registration fee
₦20,000
Registered under Nigerian cooperative law. Your contributions are protected.
Unlock loans up to ₦2,000,000 based on your package after 90 days.
Real-time dashboard showing contribution days, total saved, and loan eligibility.
Access cooperative loans without physical collateral — your contribution record is enough.
A cooperative model where members support each other's financial growth.
All transactions processed via Squadco — PCI-DSS compliant payment infrastructure.