Take a loan.
Interest accrues for as long as you hold the money. Collateral, guarantors, and a repayment schedule that ignores whether the month went well.
Vetted savings rounds for Nigerian businesses
Your business capital, months before you finish saving for it.
Ten members contribute monthly; each month one takes the whole pool. No interest. No investors. No one asking for a share of your company.
Applications are reviewed by admins. Rounds start with a full slate.
- Every member vetted
- Escrow on required slots
- Scheduled payouts
Illustrative monthly round
The capital gap
Every business hits the month where the money is not there yet.
Raise from an investor.
You give away a share of a company you built, then answer to someone else about how you run it.
Wait and save.
Free, safe, and the restock window, tender, shipment, or lease has already closed by the time you get there.
Trexo is different: your planned savings, available earlier.
See the arithmeticHow 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
One platform. Two clear paths.
Choose the plan that fits where you are now. Personal savings can build the track record that unlocks larger rounds later.
For businesses
Move when the opportunity does.
Restock before the season. Take the contract that needs capital up front. Cover equipment, a lease, or a shipment without giving away equity.
- Larger contribution bands
- Slot-based timing
- Admin-reviewed applications
For individuals
Build the habit. Then use the record.
Set a goal, pick an amount and interval, and let Trexo debit you automatically. Lock a plan for extra discipline, or join an individual round.
- Automatic goal savings
- Locked plans earn double score
- Individual rotational rounds
The trust engine
You are not joining a group chat.
Every member of every Trexo round is screened before the round opens. Applications are reviewed by Trexo admins, requirement by requirement.
Proof of funds, checked before anyone joins.
Applicants submit proof of funds and supporting documents so Trexo can verify each member's financial strength before they enter a savings round.
Every member's savings history counts.
Savings score, completed plans, and abandoned plans travel with the application. Past behaviour is part of the decision, not something that can be reset.
Earlier slots face a higher bar.
Requirements get stricter for earlier payout slots. Slot one is the hardest to be approved for, by design.
Escrow when the round requires it.
Where needed, a locked savings deposit sits behind the round so a missed contribution does not leave other members exposed.
Built for confidence
What happens when things don't go as planned?
Life happens. Someone may miss a contribution, lose access to their account, or simply fall behind. Trexo is built to make sure one difficult moment doesn't automatically become everyone else's problem.
Clear rulesBuilt-in safeguardsFull visibility
Clear rules
Every plan sets contribution expectations and what happens if someone falls behind — before anyone joins.
Early intervention
Missed payments are caught early, with retries and notifications so small issues do not quietly grow.
Protection mechanisms
Where a plan requires it, safeguards such as escrow help keep one member’s shortfall from becoming everyone’s.
Accountable resolution
Defaults are recorded and follow future applications, so accountability stays with the member who broke the rules.
Every plan has defined contribution rules and procedures for handling missed payments, so members know what happens before they commit.
Protection mechanisms vary by plan and are subject to the plan's terms.
Savings Score
Your discipline is what you are underwritten on.
Trexo looks at whether you save what you said you would save, when you said you would save it. That record becomes your savings score and helps qualify you for larger rounds and earlier slots.
01
Save on schedule. On-time saving earns more score than late saving.
02
Lock the plan. Locked savings earn double score for the commitment.
03
Complete the round. Round contributions and completion add stronger signals.
04
Let savings mature. Funds must sit long enough to count.
Your Savings Score742
Strong742/ 1000
Current accessEligible for selected business roundsKeep three more contributions on schedule to strengthen earlier-slot applications.
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. Two clearly separated balances.
Payouts land in your Trexo wallet. Withdraw to your own bank account or fund the next plan. Spendable money stays separate from savings already committed to a plan.
Transparent pricing
One charge, once, when you are paid.
Nothing accrues and nothing compounds. The service charge is taken from the pool at disbursement, so the cost is visible before you choose a slot.
No fee to applyNo fee to saveNo compounding interest
Service chargeSimple by design
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 is run.
Trexo
A one-time service charge on the pool when you are paid. You keep all of your company.
How to join
A real application, not a vague waitlist.
Rounds open in batches. Each one shows its amount, frequency, slot count, requirements, and setup window before you apply.
- 01
Pick a round.
Browse open business or individual rounds and compare their terms.
- 02
Choose a slot and apply.
Upload the listed requirements and accept the published terms.
- 03
Admins review it.
Each requirement is accepted or rejected individually, with a reason.
- 04
Complete setup.
Verify a card and fund escrow where the round requires it, within the stated window.
- 05
The round runs itself.
Contributions and your scheduled payout happen automatically.
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.
A trust-led financial product should explain the mechanics, the cost, and the hard cases before asking for an application.
Still deciding? Talk to the teamNo. 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.
Round commitments are fixed once a round starts. Exit, substitution, and refund rules are set out in the plan terms you accept before joining.
Only authorised Trexo admins assessing your application. How documents are handled is covered in Trexo’s privacy policy and retention terms.
Safety is built into the structure: member vetting, verified payment methods, escrow where required, scheduled payouts, and clear versioned terms for every plan.
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.