Take a loan.
Interest starts immediately. Guarantors, collateral, and a repayment plan that doesn't care if sales were slow.
Trexo Finance · Vetted capital rounds for Nigerian businesses
Get the capital this month from savings you'd make anyway.
Join a vetted round, pick your payout slot, and move when the opportunity does, without interest, investors, or giving up equity.
Every member is screened before the round starts. Contributions and payouts run on schedule.
The capital gap
You know that month: when the deal is ready, but the cash isn't.
When that month comes, most people reach for one of these.
Raise from an investor.
You trade ownership for capital, then answer to someone else about how you run the business.
Wait and save.
Safe, but the restock window, tender, shipment, or lease is often gone by the time the money lands.
Trexo is the fourth path: capital from savings you'd make anyway, available on your payout slot.
See how a round worksHow a round works
₦500,000 in. ₦4,900,000 out. Same month.
A ten-slot business round. Every member contributes ₦500,000 a month for ten months. Every month, the full pool goes to one member.
Important
You keep contributing ₦500,000 every month until the round completes and every member has been paid. You are drawing your own scheduled savings forward, not borrowing from Trexo.
Rounds can runDailyWeeklyMonthly
Interactive slot view
IllustrativeChoose a payout slot
Paid to your wallet in month 1₦4,900,000Gross pool ₦5,000,000 − 2% service charge
Paid in by payout₦500,000
Your contribution this month₦500,000
Nine other members₦4,500,000
Gross pool₦5,000,000
Trexo service charge (2%)−₦100,000
Paid to your wallet₦4,900,000
Month 1Month 10
Everyone receives the same amount. What differs is when. That difference is the product.
Two ways in
Start where you are. Grow into larger rounds.
Businesses join vetted rounds for capital on a schedule. Individuals can start with personal savings, and build the record that unlocks bigger opportunities later.
For businesses
Capital when the opportunity shows up.
Restock before the season. Take the contract that needs money up front. Cover equipment, a lease, or a shipment, without interest or giving up equity.
- Bigger contribution amounts
- Choose your payout slot
- Admin-reviewed applications
For individuals
Build the habit. Earn the record.
Set a goal, pick an amount and schedule, and Trexo debits you automatically. Lock a plan for more discipline. Your consistency becomes the Savings Score that can open rounds later.
- Automatic goal savings
- Locked plans earn double score
- Track record for future rounds
How trust is built
This isn't a casual savings group.
Every member is screened before a Trexo round opens. Trexo admins review each application, requirement by requirement.
Proof of funds, checked before anyone joins.
Applicants submit proof of funds and supporting documents so Trexo can confirm each member can keep up with the contributions.
Every member's savings history counts.
Savings Score, completed plans, and abandoned plans travel with the application. Past behaviour is part of the decision; it can't be wiped clean.
Earlier slots face a higher bar.
Requirements get stricter for earlier payout slots. Slot one is the hardest to get into, by design.
Escrow when the round requires it.
Where needed, a locked deposit sits behind the round so one missed contribution doesn't fall on everyone else.
When someone misses a payment
What happens when things don't go as planned?
Life happens. Someone may miss a contribution, lose access to their account, or fall behind. Trexo is built so one difficult moment doesn't automatically become everyone else's problem.
Know the rulesCaught earlyProtectedOn record
Clear rules
Every plan sets contribution expectations and what happens if someone falls behind, before anyone joins.
We catch it early
Missed payments trigger retries and notifications quickly, so small issues don’t quietly grow.
Safeguards kick in
Where a plan requires it, protections like escrow help keep one member’s shortfall from becoming everyone’s.
It stays on the record
Defaults are recorded and follow future applications, so accountability stays with the member who broke the rules.
You'll see the rules for missed payments before you commit.
Protections vary by plan and follow that plan's terms.
Savings Score
Your saving habits become your track record.
Trexo scores whether you keep to the plan: the right amount, on time. A stronger score makes it easier to get into larger rounds and earlier payout slots.
01
Save on schedule. On-time contributions earn more than late ones.
02
Lock the plan. Locked plans earn double score for the commitment.
03
Finish what you start. Completing rounds and plans carries more weight than starting and walking away.
04
Give savings time. Money that stays in long enough counts toward your score.
Your Savings Score742
Strong742/ 1000
Current accessEligible for business roundsKeep three more on-time contributions to improve earlier-slot chances.
On-time contributions18
Completed plans4
Abandoned plans0
Personal plans
Set the goal. We will handle the discipline.
Name a target, pick your amount and frequency, and Trexo debits you automatically. Finish plans to build the record that can qualify you for a rotational round later.
- ✓ Automatic or reminder-led deposits
- ✓ Locked plans for firmer commitment
- ✓ Clear progress and maturity dates
trexo.finance / plans
Locked goal plan
LockedShop rent
₦780,000of ₦1,200,000
Progress65%
Time left4 months
Next debit₦70,000
Next automatic debitThursday, 9:00 AM
+42
Score earned this monthLocked plan multiplier applied
Where the money lands
One wallet. Clearly separated balances.
When your slot pays out, the money lands in your Trexo wallet. Withdraw to your bank, or put it toward another plan. Spendable cash stays separate from savings already locked into a commitment.
Transparent pricing
One charge, once, when you are paid.
No interest building up in the background. Trexo takes a one-time service charge from the pool when your payout goes out, so you see the cost before you pick a slot.
No fee to applyNo fee to saveNo compounding interest
Service chargeCharged only on payout
Payout up to₦149,999
2.5%Payout from₦150,000
2.0%A loan
Interest for every month you hold the money, often with collateral or a guarantor.
An investor
A permanent share of your business and another voice in how it's run.
Trexo
A one-time service charge on the pool when you're paid. You keep your company.
How to join
Apply to a real round, not a waitlist.
Rounds open in batches. Before you apply, you'll see the amount, schedule, number of slots, requirements, and how long you have to complete setup.
- 01
Pick a round.
Browse open business or individual rounds and compare the terms.
- 02
Choose a slot and apply.
Pick when you want to be paid, upload what’s required, and accept the published terms.
- 03
Admins review it.
Each requirement is accepted or rejected individually, with a reason.
- 04
Complete setup.
Add a payment card and fund escrow if the round requires it, within the stated window.
- 05
The round runs itself.
Contributions debit on schedule, and your payout follows the slot you were approved for.
Built for real timing
The opportunity does not wait for your savings timeline.
From restocking before peak season to covering a lease without giving up equity, Trexo is built for moments when timing is the difference.
Buy the season’s stock in one move.
Use an earlier slot to restock before demand peaks instead of buying in smaller, lower-margin batches.
Timing mattersBefore peak season
Take work that needs capital up front.
Match your slot to the month equipment, materials, or mobilisation costs are due.
Best fitPlanned payout month
Cover the lease without selling equity.
Bring your own savings forward, pay once for the service, and keep ownership of the company you built.
Ownership kept100%
Questions worth asking
Clear answers before you commit.
Here's how Trexo works, what it costs, and what happens in the hard cases, before you apply.
Still deciding? Apply when you're readyNo. There is no lender, no interest, and no principal to repay. You are drawing your own scheduled savings forward, then continuing to contribute until the round completes.
Trexo runs retries first, then any enabled wallet balance, then escrow where the round requires it. The exact process is set out in that plan’s published terms.
You choose a slot when you apply. Earlier slots carry higher entry requirements, and the slot is confirmed when your application is approved and setup is completed.
There is a one-time charge on payout: 2.5% up to ₦149,999 and 2.0% from ₦150,000. Any payment or withdrawal fees are shown before you commit.
It varies by round. Each round publishes its requirements before you apply; business rounds generally ask for more documentation than individual ones.
Once a round starts, commitments are fixed. Exit, substitution, and refund rules are in the plan terms you accept before joining. Review them carefully before you commit.
Only authorised Trexo admins assessing your application. How documents are handled is covered in Trexo’s privacy policy (trexofinance.com/privacy) and retention terms.
Trexo is built around controls, not goodwill alone: members are vetted, payments are verified, escrow can apply where required, payouts follow the schedule, and every plan has clear, versioned terms.
Plan the month, then apply
Rounds fill slot by slot. The early ones go first.
Applications are reviewed by admins, and every round starts with a full slate. Apply for the slot that lands when your business needs the capital.
Round readiness10 slots
01020304050607080910
Illustrative only. Connect this component to live round inventory when available.