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Not a savings scheme · no guaranteed returns
HomeBridge
Edo · Abuja · open to Africans everywhere

Own real businesses at home — from wherever you live.

Join as an equal. ₦1,000 a share. One member, one vote.

Start your registrationCheck if you can join
Joinonce, after approval
£10 · ₦10,000
Sharesmonthly, from
£25 · ₦5,000

Who can join

Same share price. Same vote. Anywhere.

Anyone aged 18 or over, of good character, who passes our identity checks. Choose the membership that fits you — every type buys shares at ₦1,000 and carries one vote.

  • Nigeria

    Home member

    Living in Nigeria

    ₦10,000

    to join, once

    Shares from ₦5,000 a month
  • Abroad

    Diaspora member

    Africans living abroad

    £10

    or $ / € equivalent to join, once

    Shares from £25 a month
  • Founder

    Founding member

    Anyone joining in the first 12 months

    £1,000+

    or ₦2m+ founding block, plus the joining fee

    First 12 months only
    Limited
  • Pro

    Professional member

    Doctors, accountants, engineers, lawyers and others

    Up to ½

    of your shares paid in volunteered skills hours

    Your expertise counts
  • Group

    Group member

    Hometown unions, churches, mosques, businesses

    One vote

    through one named representative

    Same joining fee

Every card buys shares at the same ₦1,000 and carries the same one vote.

Can I join today?

Wherever you live, there is a way in.

Our first two societies are registered in Edo State and the Federal Capital Territory. You can join either one if you live there, or if you or your family own or hold land or a home there. Everyone else can join the Supporter list and be first in when their state opens.

Which describes you?
Fees, rules and how membership works

Your money

Two payments. Two places. Never a person.

Your joining fee pays for registration and identity checks. Your shares go only into the cooperative’s own bank accounts — never into cash, and never into anyone’s personal account. Your member number is your payment reference, always.

Joining fee

Once · not refundable · not a share

£10 or ₦10,000

Processed by VEKAT Group Ltd, the cooperative’s appointed manager, which runs registration and identity checks.

  • Card · Apple Pay · Google Pay (Stripe)
  • First Bank transfer (naira)

Shares

Monthly · whenever you like

₦1,000 per share, for everyone

Paid only to HomeBridge Cooperative Society Ltd. Every outgoing payment needs two signatures — one at home, one in the diaspora.

  • UBA naira account
  • US dollar domiciliary
  • Pound sterling domiciliary

Where every naira of share money goes

  • 75% into approved businesses, in stages
  • 15% reserve
  • 10% running

Within agreed limits, part of the business money may instead go into the long-term investment portfolio. Running costs include the audit, the members’ dashboard and the manager’s published fee.

When the businesses make a profit

  • 40%Kept to growAt least a quarter of all profit goes to the legal reserve fund; the rest funds new businesses.
  • 40%Shared with membersAs a dividend on shares, after the yearly audit and AGM approval.
  • 10%Education and trainingEnterprise, cooperation and financial literacy for members.
  • 10%Community developmentGiven to registered charities as members decide at the AGM.
Follow your money in detail

New · Long-term portfolio

Steady growth, on expert advice — never quick bets.

Alongside our own businesses, members may agree to hold a spread of quoted company shares, Federal Government bonds and treasury bills, and SEC-registered funds. Members approve the investment policy; the Board works within it.

The limits shown are proposals in the draft bye-laws, for members to decide. The value of investments can go down as well as up.

How the portfolio works
  • ≤ 20%of the Society’s total fundscan be held in the portfolio.
  • ≤ 10%of the portfolio in one companyso no single company can sink it.
  • Advice firstEvery trade needs written advice from an independent SEC-registered adviser.
  • Our nameHeld through the Society’s own CSCS account and a registered custodian. Never in a person’s name.
  • Never touchedThe withdrawal reserve, the legal reserve fund and joining fees.
  • QuarterlyHoldings and value on your dashboard, checked by the Audit Committee.

How your money is protected

No single person can move money.

  1. Gate 1

    No cash

    Bank accounts in the Society’s name only. Suppliers are paid directly, never through a personal account.

  2. Gate 2

    Two signatures

    On every payment — one from home, one from the diaspora.

  3. Gate 3

    Spending limits

    Manager ₦2m · Chairman + Treasurer ₦20m · full Board above · members vote over ₦50m.

  4. Gate 4

    Five checks first

    Operator’s own money in, real customers, path to profit, clean papers, bank-only payments.

  5. Gate 5

    Independent audit

    Every year by an ICAN-registered auditor, sent to every member and checked by the Audit Committee.

  6. Gate 6

    Monthly reports

    Money in, money spent and progress on every project, on your dashboard.

See how a payment clears every gate

First cohort projects

Real businesses you can visit.

Being shortlisted now in Edo and Abuja. No money moves until a project passes all five checks.

GARRIFLOURCASSAVA
Benin City, Edo · Shortlisting

Food processing

Garri, cassava and plantain flour for home and diaspora shops.

Five checks0 of 5 passed
TO LETTO LET
Abuja FCT · Shortlisting

Health services and shops to let

Diagnostics or pharmacy, plus small shops and offices to let.

Five checks0 of 5 passed
Edo and Abuja · Shortlisting

Solar kits

Solar kits leased to members’ small businesses in both locations.

Five checks0 of 5 passed
Projects and the five checks

Governance

Members decide. The Board leads. The manager works.

The Board of 9

  • Chairman
  • 3 home members
  • 3 diaspora members
  • 1 independent accountant
  • 1 VEKAT seat, non-voting

3-year terms, one-third retiring each year. A separate Audit Committee of 3 non-Board members checks the books and reports straight to members.

VE
Victor EvbuomwanFounding Chairman and Initiator

Chairs the founding Board until the first AGM, where members vote to confirm him or elect another Chairman. As he also leads VEKAT Group, he never votes on VEKAT’s appointment, fees or contract.

Read the draft bye-laws
Governance in full

Events

Meet us online and in person

The online launch was held on Saturday 3 October 2026. Chapter meetings come next.

All events
  • UK webinarOnlineDate to confirm
  • Members’ meetingBenin CityDate to confirm
  • Members’ meetingAbujaDate to confirm

Questions people ask

Is this an investment with guaranteed returns?

No. You become a part-owner of real businesses. When they make a profit, members share it after the yearly audit and AGM approval. Nothing is guaranteed, and profits depend on how the businesses perform.

Can I get my money back?

Shares can be withdrawn after 3 years, with 6 months’ written notice, at the value in the last audited accounts. This protects the businesses from too many people leaving at once.

Does more money give me more votes?

No. One member, one vote. More shares mean a bigger share of profit, never more control. No one may own more than a fifth of all shares.

What happens to my shares if I die?

You name one or more nominees when you join. The value of your shares passes to them.

What if I stop paying?

After 12 months without a contribution we remind you. After 3 more months you may become dormant, with no vote, until you start again.

I am not in Edo or Abuja. Can I join?

Yes, if you or your family have land or a home in Edo or the FCT, wherever you live. If not, join the Supporter list for your state or country and be first in when it opens.

All questions

Abroad and at home, we build together.

Register in about ten minutes on your phone. Officers review within 2 working days and message you on WhatsApp.

Start your registrationChat on WhatsApp
Add HomeBridge to your phone’s home screen — it works like an app, even on slow data.