About SCIC

About SCIC

SCIC is a CAC-registered financial services company in Nigeria, offering personal and business loans, investment opportunities, financial advisory, and wealth management. With a team of licensed professionals, we are committed to providing tailored financial solutions to meet the unique needs of our clients. Transparency, integrity, and customer satisfaction are our top priorities as we strive to empower individuals and businesses through financial education and support. Whether you are starting a new business or seeking financial assistance, SCIC is dedicated to helping you achieve your financial goals. Contact us today to learn more about our services.

Our Vision

To Become the most Preferred Provider of Financial services and Consulting, with excellent customer services delivery, leading and dictating the pace for others to follow.

Core Values

  • Integrity
  • Excellent customer service
  • Teamwork
  • Innovation
  • Professionalism
  • Creativity
  • Trust

Core Features & Services


As a licensed lending financial institution, we at SCIC understand that finance is the lifeblood of businesses and individuals. Our comprehensive finance solutions cover a diverse range of needs, including.

  • Business finance
  • Personal finance, and
  • Project finance.


Investing is a crucial step toward building wealth and securing your financial future.
However, the rise of Ponzi schemes and unregulated financial entities has made many unwise investors or vulnerable investors to fall into wrong hands.
SCIC is a registered financial services company by CAC and a licensed lending financial institution. We have licensed and registered financial advisors/Insurance agents by NAICOM at the Board and team level and has through research identified and collaborated with strong and reliable SEC licensed financial institutions that are into the business of INVESTMENTS.
This collaboration is to provide our numerous clients with safe investment havens with peace of mind after investments.
 At Saio Capital and Investment Company Limited (SCIC), we are dedicated to guiding you through the complexities of the investment landscape, ensuring you choose reputable, government-regulated financial institutions for your investments. 
Financial Institutions Regulated by the SEC
The Securities and Exchange Commission (SEC) oversees several types of financial institutions, ensuring they operate within the legal framework and uphold investor interests.
Asset Management Companies
These firms manage investment funds on behalf of clients, offering a variety of funds tailored to different risk appetites and investment goals.
Examples include mutual funds, hedge funds, and exchange-traded funds (ETFs). SCIC helps you select reputable asset management companies that align with your financial objectives.
Investment Companies
These entities pool resources from multiple investors to invest in securities such as stocks, bonds, and other assets. They offer diversification and professional management, reducing individual risk. SCIC provides expert advice on choosing the right investment companies that meet your investment needs.
These financial institutions regulated by SEC are also into funds deposit Investments. Rates for investment with respect to fund deposit is usually higher than banks rate. We assist our clients in the rate negotiation that suits their desires.
Financial Institutions Regulated by NAICOM
The National Insurance Commission (NAICOM) regulates insurance companies, ensuring they comply with industry standards and protect policyholders’ interests.
Insurance Companies
These companies offer various insurance products, including life insurance, health insurance, and annuities. Investing in insurance products can provide financial security and steady income streams in retirement. SCIC assists you in selecting trustworthy insurance companies that offer products suited to your financial plan.
These financial institutions regulated by NAICOM are also into funds deposit Investments. Rates for investment with respect to fund deposit is usually higher than banks rate also but may not be as the rate offered by SEC financial institutions. The comparative advantage that exists is the life insurance cover attached with other many benefits. SEC licensed financial institutions do not enjoy this life insurance covers. We assist our clients in the rate negotiation that suits their desires.
Why Choose SCIC?
Partnering with SCIC offers several advantages:
Expert Guidance: Our team of experienced professionals provides personalized advice, helping you navigate the investment landscape with confidence.
Comprehensive Research: We conduct thorough research and due diligence to identify the best investment opportunities within regulated financial institutions.
Tailored Solutions: We understand that each investor has unique goals and risk tolerances. Our tailored solutions ensure your investments align with your financial objectives.
Ongoing Support: SCIC offers continuous support and monitoring of your investments, ensuring they remain on track to meet your goals.


Our lending options offer affordable and flexible credit facilities to help individuals and businesses achieve their goals. Our streamlined processes and competitive interest rates make borrowing stress-free for:

  • Market women
  • Small and medium-sized enterprises (SMEs)
  • Salary earners.


In today’s uncertain world, safeguarding assets and mitigating risks is vital. At SCIC, our board and team include licensed Insurance Financial Advisors, collaborating with top insurance firms in Nigeria to provide premier insurance solutions. 

Our Vision in the insurance space is to be the Hub centre that provides the best and affordable insurance products (Life and Non-life insurance products) from Insurance companies to all.

We intend to also drive financial inclusions as many people are outside the insurance space to have an insurance policy. 

Explore our diverse insurance coverage options today.

Our Insurance Products

We offer diverse insurance products on both Life (Non-General) and Non-life (General insurance)

The following are the various General insurance/non-Life products.

  1. Building Insurance
  2. Marine Insurance
  3. Goods in Transit Insurance
  4. Motor Insurance- Third party and Comprehensive
  5. Travel Health Insurance
  6. Group life Insurance
  7. Workman Insurance
  8. Agric Insurance

For Life Insurance we have the following

  1. Life Celebration Insurance
  2. Education Plan insurance
  3. Annuity
  4. Corporate savings
  5. Flexible endowment policy
  6. Investment Insurance.

Retirement Saving Policy Plan (RSPP)

At SCIC we have license and authorize Insurance financial advisors/Insurance agents of top Insurance companies in Nigeria ready to make your dreams of Paradise Retirement a reality through our RSPP products.
For RSPP we basically have two products and they are:

  • FEP (Flexible Endowment Policy) RSPP
  • Income/Salary4life policy (Annuity) RSPP

The FEP policy as a tool for RETIREMENT product has various durations that customers can choose from. The different classes of duration are 6,9,12, or 15 years. The policy holder is paid a lump sum of money at the end of the duration chosen by the clients.

The following are the various age brackets for FEP.

6 YEARS PLAN 20-59/60 180
9 YEARS PLAN 20-56/57 200
12 YEARS PLAN 20-53/54 220
15 YEARS PLAN 20-50/51 250

NB-At Maturity the Age should not be more than 65 years. 



This policy offers the policyholder a chance to receive a lifelong income even after depleting their contributed savings through annual payments.

We have two types:

1. Single Premium payment Annuity: This form of annuity involves the policy holder paying a lumpsum of money and then waiting for the retirement age before start earning the income/salary for life.

2. Deferred-annual premium Annuity: This is a contract with an insurance company that promises to pay the owner a regular income at some future date i.e. upon retirement.


Financial Investment Advisory Consulting

SCIC partners with licensed financial institutions to create custom investment products for clients, offering flexible duration and currency options.

This is targeted at institutional and private client looking to lock their fund for a minimum of 12 months and that wants to enjoy very good rates.

  • Tenor for this product is 12 months  
  • Minimum investment is N1M-N5M
  • Interest of 6-10% p.a. Payable at the end the investment period of 12 months.

This is targeted at institutional and investors who wish to invest for a shorter duration.

  • Duration usually minimum of 180 days.
  • The rates are competitive based on the amount that is being invested.
  • Minimum investment is N10M.

This is targeted at institutional and investors who wish to have their investment in other currency due to inflation and loss of value.

  • The rates are competitive based on the amount that is being invested.
  • Minimum Currency Swap invest is $50,000.00.

This is targeted at investors who wish to have their investment in other currency and to fix it for a specified duration with any regulated investment financial institutions in other to earn interest and for capital preservation due to inflation and loss of value.

  • The rates are competitive based on the amount that is being invested.
  • Minimum investment is $200,000.00

Eurobonds are foreign currency-denominated debt instruments with a minimum investment of $200,000. Benefits include:

  • Income is free of withholding tax.
  • Fixed interest in foreign denominated currency
  • Capital preservation.
  • Hedge against devaluation of local currency.
  • Highly liquid as it is traded globally.

LFDIP-FEP is a flexible duration savings plan with security cover for the policyholder, serving as an insurance investment endowment product.


The following are few of the things that FEP can be used for after maturity.

  • It can be used for school fees planning i.e., Primary, Secondary or University education plans.
  • It can be used for marriage planning.
  • It can be used for building construction, land purchases etc.

The following are the various duration for FEP.

6 YEARS PLAN 2 YEARS + 2 YEARS + 2 YEARS 20-59/60
9 YEARS PLAN 3 YEARS + 3 YEARS + 3 YEARS 20-56/57
12 YEARS PLAN 4 YEARS + 4 YEARS + 4 YEARS 20-53/54
15 YEARS PLAN 5 YEARS + 5 YEARS + 5 YEARS 20-50/51

NB-At Maturity the Age should not be more than 65 years.


  • FIRST PAY OUT PLAN                    25% OF SUM ASSURED
  • SECOND PAY OUT PLAN               25% OF SUM ASSURED


  • Financial Benefits
  • Cheap Credit/Loan Benefits
  • Risk Benefits


In addition to our core financial services, we offer consulting services to support your business growth and success. Our expertise includes.

  • Business continuity management system (BCMS)
  • Risk management and planning,
  • ISO Certification training and international certifications for both individuals and organizations,
  • Business licenses (obtaining business licenses such as lending licenses etc.)
  • C.A.C Business registration, Set up and management.
  • Business and financial plan design and Consulting
  • Capital and Financial market set up in any country and trading training services.

Our team works closely with you to develop strategies and solutions to enhance your business operations and drive profitability.

ISO Certifications Management Consulting

Elevate Your Business Standards with Saio Capital and Investment Company Limited’s Expert ISO Certification Consulting Services
In today’s fiercely competitive market, maintaining high standards of quality, efficiency, and credibility is paramount. For CEOs aiming to propel their organizations to new heights, achieving ISO certification is a strategic move that signals excellence to clients, stakeholders, and regulators alike. Saio Capital and Investment Company Limited (SCIC) stands out as a premier consulting firm, dedicated to guiding businesses through the intricate process of obtaining ISO certifications.
Why ISO Certification Matters
ISO (International Organization for Standardization) certifications are globally recognized benchmarks that attest to a company’s commitment to quality, safety, efficiency, and sustainability. They are not just symbols of compliance but powerful tools that enhance operational performance and open doors to new business opportunities. Here are some key benefits:
1. Enhanced Credibility and Reputation: ISO certifications act as a seal of approval, assuring clients and stakeholders of your commitment to maintaining high standards.
2. Operational Efficiency: Implementing ISO standards helps streamline processes, reduce waste, and improve overall productivity.
3. Market Access: Many markets and clients require ISO certification as a prerequisite for business, making it essential for expanding your market reach.
4. Risk Management: ISO standards provide frameworks for identifying and mitigating risks, ensuring the safety and reliability of products and services.
5. Customer Satisfaction: By adhering to internationally recognized standards, businesses can better meet customer expectations, leading to increased satisfaction and loyalty.
SCIC’s Expertise in ISO Certification Consulting
Saio Capital and Investment Company Limited (SCIC) is your strategic partner in achieving ISO certification. Our comprehensive consulting services are tailored to meet the unique needs of your organization, ensuring a seamless and efficient certification process.
Types of ISO Certifications Offered by SCIC
SCIC offers expert guidance across a wide range of ISO standards, including but not limited to:
• ISO 9001 (Quality Management Systems): Ensures that your products and services consistently meet customer requirements and improve overall performance.
• ISO 14001 (Environmental Management Systems): Helps organizations enhance their environmental performance through more efficient use of resources and waste reduction.
• ISO 22301 (Business Continuity Management Systems): Establishes a framework for businesses to ensure continuity of operations during disruptions. This certification is crucial for maintaining operational resilience and protecting against interruptions.
• ISO 27001 (Information Security Management Systems): Ensures that sensitive company and customer information is securely managed.
• ISO 31000 (Risk Management): Provides principles and guidelines for effective risk management. This standard helps organizations identify, assess, and mitigate risks across all operations, enhancing overall resilience and performance.
• ISO 45001 (Occupational Health and Safety Management Systems): Provides a framework to improve employee safety, reduce workplace risks, and create better, safer working conditions.
• ISO 50001 (Energy Management Systems): Helps organizations improve energy performance, leading to cost reductions and sustainability improvements.
Our Proven Approach
SCIC adopts a systematic and client-centric approach to ISO certification, ensuring that every step of the process is handled with precision and professionalism.
1. Initial Assessment and Gap Analysis: We begin by conducting a thorough assessment of your current systems and processes to identify gaps and areas for improvement.
2. Custom Strategy Development: Based on the gap analysis, we develop a tailored action plan that addresses your specific needs and aligns with your business goals.
3. Implementation Support: Our experts work closely with your team to implement the necessary changes, providing training and support to ensure smooth integration of new processes.
4. Pre-Certification Audit: Before the official audit, we conduct a comprehensive internal audit to ensure all requirements are met and prepare your team for the certification process.
5. Ongoing Support and Maintenance: After certification, we offer continuous support to help you maintain compliance and make continuous improvements.
The SCIC Advantage
Choosing SCIC as your consulting partner offers numerous advantages:
• Expertise and Experience: Our team comprises seasoned professionals with extensive experience in various industries, ensuring that we understand the unique challenges and requirements of your business.
• Tailored Solutions: We recognize that no two businesses are the same, and we customize our approach to meet the specific needs of your organization.
• Commitment to Excellence: Our dedication to quality and client satisfaction is unwavering. We go the extra mile to ensure that you achieve and maintain ISO certification.
• Proven Track Record: SCIC has a history of successfully guiding numerous organizations through the ISO certification process, helping them achieve operational excellence and business growth.

Research & Development

At SCIC we are dedicated to fostering innovation and driving growth through our comprehensive Research and Development (R&D) services. Our expert team specializes in guiding organizations and individuals alike on a transformative journey towards unlocking their full potential. Let us illuminate the significance of R&D and how it can revolutionize both organizational and individual pursuits.

Capital market and Global Financial Market Trading training and Investment Advisory

In the fast-changing world of financial markets, SCIC is your trusted partner. Our experienced traders will teach you how to navigate global markets and make successful trades. With our deep understanding of market dynamics and advanced trading technologies, we provide the best training to help our clients generate optimal returns.

Retirement Portfolio Package Consulting

Secure Your Future with Saio Capital and Investment Company Limited’s Premier Retirement Portfolio Consulting Services
In an ever-changing economic landscape, securing a stable and prosperous retirement requires strategic planning and expert guidance. For CEOs, business leaders, working individuals, business owners ensuring a robust retirement portfolio is crucial not only for personal financial security after retirement but also for setting an exemplary standard for their organizations. Saio Capital and Investment Company Limited (SCIC) offers unparalleled consulting services to craft bespoke retirement portfolios that guarantee growth, stability, and peace of mind after retirement.
The Importance of a Well-Structured Retirement Portfolio
A well-structured retirement portfolio is essential for several reasons:
1. Financial Security: It ensures a steady income stream during retirement, allowing you to maintain your lifestyle without financial strain.
2. Inflation Protection: A diversified portfolio helps protect against inflation, ensuring your savings retain their value over time.
3. Risk Management: Properly balanced investments mitigate risks and provide stability even in volatile markets.
4. Legacy Planning: It helps in planning your estate and ensuring a smooth transfer of wealth to your heirs.
5. Peace of Mind: Knowing that your financial future is secure allows you to enjoy your retirement years without worry.
SCIC’s Expertise in Retirement Portfolio Consulting
Saio Capital and Investment Company Limited (SCIC) excels in creating comprehensive retirement portfolio packages tailored to the unique needs and goals of high-net-worth individuals and business leaders. Our approach integrates a variety of investment options to ensure a balanced and resilient portfolio.
Key Investment Options for a Robust Retirement Portfolio
SCIC offers expertise across a diverse range of investment opportunities:
1. Real Estate Investment: Real estate is a cornerstone of a secure retirement portfolio. At SCIC one of our Group subsidiaries, SMIRC handles all our clients Real estate needs. SCIC provides insights into lucrative real estate opportunities, from residential and commercial properties to REITs (Real Estate Investment Trusts). These investments offer potential for significant appreciation and stable rental income.
2. Capital Market Investment: Our experts guide you through investments in stocks, bonds, and mutual funds. We focus on building a diversified capital market portfolio that balances growth and income, tailored to your risk tolerance and financial goals.
3. Agribusiness Investment: Investing in agribusiness presents opportunities for substantial returns and sustainability. At SCIC one of our Group subsidiaries, SIAP handles all our clients Agribusiness needs. SCIC identifies high-potential agribusiness ventures, including farmland, Agro-processing, and sustainable farming practices, ensuring both profitability and positive environmental impact.
4. Insurance-Based Investments: Insurance products like RSPP (Retirement savings policy plan), annuities and life insurance policies are crucial for long-term security. SCIC helps you choose the right insurance-based investments to provide a guaranteed income stream and protect against unforeseen circumstances.
5. Alternative Investments: We also explore alternative investment options such as private equity, hedge funds, and commodities. These can offer high returns and diversify your portfolio beyond traditional asset classes.
Our Tailored Consulting Approach
SCIC’s consulting services are designed to provide a comprehensive and personalized experience:
1. Initial Consultation and Assessment: We begin with a detailed consultation to understand your financial situation, retirement goals, and risk tolerance.
2. Customized Portfolio Design: Based on our assessment, we design a tailored retirement portfolio that aligns with your objectives and provides optimal diversification.
3. Implementation and Management: Our experts assist in the seamless implementation of your investment strategy and provide ongoing management to adapt to market changes and evolving personal goals.
4. Regular Reviews and Adjustments: We conduct regular portfolio reviews to ensure performance aligns with expectations and make necessary adjustments to stay on track.
Why Choose SCIC?
Partnering with Saio Capital and Investment Company Limited (SCIC) offers numerous advantages:
Expertise and Experience: Our team comprises seasoned professionals with deep knowledge of various investment domains, ensuring informed and strategic decision-making.
Client-Centric Approach: We prioritize your unique needs and goals, providing personalized solutions and dedicated support.
Comprehensive Services: From real estate and capital markets to agribusiness and insurance-based investments, our diverse expertise ensures a well-rounded and resilient retirement portfolio.
Proven Success: SCIC has a track record of successfully guiding high-net-worth individuals and business leaders towards secure and prosperous retirements.

The FEP policy for retirement offers customers a choice of durations: 6, 9, 12, or 15 years, with a lump sum payment to the policyholder at the end of their selected duration.

This policy provides the policyholder with a chance to receive a lifetime income even after their contributed savings have been depleted through annual payments they have been receiving.

We have two types:

  • Single Premium payment Annuity
  • Deferred-annual premium Annuity


Our Service Approach at SCIC

  • Excellent customer service: We understand that relationships are built on the highest standards of service and integrity.
  • Due diligence: We give our clients objectives advice and only recommend after we have done our own due diligence, and we recommend our clients to do same.
  • Creative: We provide creative solutions to our clients’ most complex challenges.
  • Asset security: We partner with financial institutions companies that are regulated either by NAICOM, SEC or CBN.

Our Financial Partners


Customer Connection

Why Choose Us

  • Our Board and management team of Professionals has over 25 years’ experience and excellent knowledge about the market which gives us an edge in dealing with our clients and business partners.
  • Our business partnership and relationship are with Financial Institutions and Investment/Fund Management companies that are licensed and regulated and that have adequate investment and risk management capabilities.
  • We offer our clients the best rates in the market in line with the global best practices by leveraging on our excellent relationships with the various financial institutions and fund management companies.
  • We have excellent relationship with Finance and Investment companies and other business partners. This gives us the ability to negotiate good rates and prices for our clients.
  • Excellent track record of working with individuals and institutional investors.
  • We are interested in our client’s business growth, financial independence, business continuity, Security, and expansion.
  • We have experienced and professional team to always ensure customer satisfaction.
  • Our dreams are to real your dreams.
  • We do not compromise quality

Get In Touch With Our Elite Team