The Process
Five steps. No surprises.
Your money is traceable
at every stage.
01
Onboard
Start saving. Every deposit converts to Nigerian Naira at the official CBN rate on arrival and is credited to your dedicated Greteg account. Your balance is visible after every deposit. Save at whatever pace your income allows.
02
Deal Invitation
When a verified deal is ready, you receive a deal memo — property details, location, acquisition price, projected exit, planned value-add (renovation, repositioning, or direct resale), and who else is co-investing. You review it. You decide whether to commit. No pressure.
03
Commit
Sign a plain-language investment agreement. Your proportional stake is documented. Capital moves only after your written confirmation. No verbal arrangements. The paper exists before a naira moves toward any property.
04
We Execute
Our ground team handles title verification, acquisition, any value-add work needed — sometimes renovation, sometimes none — and sale management. Every decision is made with the exit price in mind. You receive regular updates. You do not need to be in Nigeria. You do not need to manage anything.
05
You Profit
At deal close, each investor receives their proportional share of the net return. Every figure is documented. Reinvest, support family, settle something you have been carrying, or withdraw — entirely your call.
How Positions Work
One threshold. Your pace. Your stake.
Each deal is split into 5 equal positions of ₦3,000,000. The number of positions you hold is the number of profit shares you receive when the deal closes — not a return on your capital. One position earns one-fifth of the deal's profit. Five positions means you fund the deal alone and keep all of it.
| Positions you hold | Capital required | Your share of the deal profit |
|---|---|---|
| 1 position | ₦3,000,000 | 1 of 5 shares of the deal profit |
| 2 positions | ₦6,000,000 | 2 of 5 shares of the deal profit |
| 3 positions | ₦9,000,000 | 3 of 5 shares of the deal profit |
| 4 positions | ₦12,000,000 | 4 of 5 shares of the deal profit |
| 5 positions | ₦15,000,000 | Entire deal profit (sole investor) |
Deals above ₦15,000,000 are available. Speak to your Investor Relations contact.
Illustrative breakdown using the minimum 20% gross exit. Higher exits flow entirely to investors after the 7% transaction fee.
The Fees
Two fees. Both disclosed upfront. No surprises at exit.
3%
Monthly Contribution Fee
Charged on every deposit. 3% of the naira equivalent keeps operations running — sourcing deals, title checks, ground team activity. 97% is credited to your account.
7%
Transaction Fee
Charged on the total sale value at exit. Performance-linked. The better the deal, the more Greteg earns alongside you. We are incentivised to get the best price, not just any price.
Before you commit to any deal, you see the full fee breakdown in writing — exactly what Greteg earns and exactly what remains for investors.
What Returns Look Like
Every naira accounted for, step by step.
Example deal — ₦15M acquired, ₦18M exit
3 similar deals in a year
| Your stake | Per deal | Across 3 |
|---|---|---|
| ₦3M (1 of 5 shares) | ₦258,000 | ₦774,000 |
| ₦9M (3 of 5 shares) | ₦774,000 | ₦2,322,000 |
| ₦15M (sole investor) | ₦1,290,000 | ₦3,870,000 |
These figures use the minimum 20% gross exit. Properties in our focus regions regularly exit 30–60% above acquisition. This table shows the floor, not the ceiling.
The 20% Rule
Our minimum is a commitment. Your upside is uncapped.
Greteg will not enter any deal unless we are confident the property can exit at a minimum of 20% above what we paid. This is not a target — it is the floor. Every deal you are invited into has already cleared this bar. When exits go higher, the additional profit flows entirely to investors.
| Minimum exit (₦18M) | Higher exit example (₦22M) | |
|---|---|---|
| Gross profit | ₦3,000,000 | ₦7,000,000 |
| Total fees | ₦1,710,000 | ₦1,990,000 |
| Net to all investors | ₦1,290,000 | ₦5,010,000 |
We will never tell you what we expect to make above the minimum. We will always show you what we actually made.
Honest About Risk
Why risk is low
We buy real, physical property. It does not go to zero. Our deals target distressed stock in markets with genuine residential demand — the floor is higher than most people assume.
When risk occurs
In rare cases, investors may see a loss of 5–10% of capital. We name this plainly. We operate a portfolio of deals — strong performance on concurrent deals absorbs rare losses.
Exchange rate
Every deposit converts to naira at the CBN rate on arrival. The naira value of future deposits may differ. This risk is carried by the investor. We use the publicly verifiable CBN rate for every conversion — always.
Our Focus
Not Lagos. The South.
Everyone pitches Lagos. Lagos works for people with serious capital and existing connections. We go where the market is underpriced and the early-mover advantage still exists.
South-South Nigeria
Oil economy states where residential stock is repricing and outside capital has not yet flooded the market. Early-mover advantage still available.
South-West Nigeria
Beyond Lagos. Secondary cities carry rising demand, lower entry prices, and room to grow without Lagos-level competition.
South-East Nigeria
Commercially dense and culturally driven markets where property ownership is identity, not just investment. Strong investor interest from local and international Nigerians. Consistent demand.