Frequently Asked Questions


Yes, benefactor of the investment can be specified in the registration form.

Yes, there is an exit fee of 1% flat of the liquidated amount. However this only applies to early liquidation.

Acceptable tenor of investment is from 2 cycles (months) and above.

4:24 is the scheme for clients/investors who enjoy payment of 4% flat interest on the 24th of every month.

You should invest with TCL because we have highly competitive return in invest.

You can reach us through any platform (phone, email, social media) and one of our representatives will contact you or download the Leya App and sign-up.

There are no hidden fees or charges on your Investment. However, there is a fee payable to the company for managing your portfolio and this is expressly stated in your investment letter (i.e. Management/renewal Fee – 0.5% flat payble at start of investment) and statutory tax(WHT & VAT).

Yes for amounts less than N5,000,000.00 (Five Million Naira) while amounts above will take 30days or less to liquidate.

We accept both Naira and Dollar denominated funds. However the maximum tenor for Dollar denominated funds is 2cycles (months).

There is no upper/lower limit to the amount you can invest.


You will be required to fill our one-time customer KYC form and provide agreed collateral.

A Guarantor can either be a Banker.

We charge a 10% flat per cycle on borrowed funds.

We allow flexible repayment to fit our customer’s cashflow. However each cycle repayment must at least accommodate interest repayment.

We lend based on the customer’s cashflow or collateral provided.

You can request for additional funds (top-up) as long and your cash-flow or collateral can cover it.

The collateral for the loan will be liquidated upon default and/or non-compliance.

We accept Banker’s cheque, Vehicles, Land or property (in Lagos).

Yes, loans can be prepaid on or before the end of the agreed cycle/tenor.

Filled Bio-data form and supporting documents


A cycle starts and ends on the 24th of every month

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