Grow your capital daily with Medivest by Medikia Finance Ltd

Earn consistent returns while your capital finances verified healthcare providers across Nigeria.

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✓ Trusted by 200+ Active Savers
✓ Funds Insured by NDIC
✓ 7,000+ Healthcare Providers Financed
✓ Product of Medikia Finance Ltd

How Medikia Finance Ltd Uses Your Capital

Transparently financing of verified healthcare providers

Financing verified healthcare providers, Not Personal Loans

Funds deposited through Medivest are used to support short-term financing of Hospitals, Pharmacy and Clinics under Medikia Finance Lending Licence and Platform.

Important: Medikia do NOT offer loans to individuals; all financing is short-cycle and secured by verified healthcare invoices.

This approach helps build trust and ensures compliance with financial regulations while supporting the healthcare sector.

1

Your Deposit

You deposit funds into your Medivest account

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2

Healthcare Financing

Funds finance verified healthcare provider invoices

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3

Your Daily Returns

Funds are locked for 90 days. Accrued Earnings can be withdrawn every 30 days. After maturity, capital + Accrued Earnings become available for withdrawal within a 5-day window.

Why people choose Medivest

Enjoy secure, transparent, and rewarding savings backed by healthcare financing

Daily Structured Returns

Earn predictable returns, track everything in a transparent dashboard, and enjoy easy, fast withdrawals.

Healthcare-backed

Financed over 100 verified healthcare providers to power and grow their daily operations Funds.

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Invoices Financed

Medikia Finance has disbursed over ₦500 million in funding to support healthcare businesses across Nigeria.

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Customer Support

Enjoy 24/7 support backed by a 99.9% repayment rate for smooth operations and strong capital protection.

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Secure & compliant

KYC verification and bank-grade security protocols protect your funds and data.

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Easy withdrawals

Withdraw Accrued Earnings every 30 days. After 90-day lock, capital + Accrued Earnings become available for withdrawal within a 5-day window.

How it works

Start growing your funds in three simple steps

1

Sign up & verify

Create an account and complete KYC to secure your wallet

2

Deposit & lock funds

Your funds are locked for 90 days and deployed into verified healthcare invoice financing.

3

Withdraw Accrued Earnings or Re-lock

After 30 days, Accrued Earnings becomes available for withdrawal anytime. Capital remains locked for 90 days. After maturity, capital + remaining Accrued Earnings can be withdrawn within a 5-day window.

90-Day Lock Calculator

Estimate maturity date, Accrued Earnings and withdrawal window. Note: Accrued Earnings can be withdrawn every 30 days while capital remains locked.

How the 90-Day Lock & Withdrawal Window Works

Funds are locked for 90 days, Accrued Earnings can be withdrawn every 30 days, then capital + ROI made available within a 5-day window

🔒 Lock → 💰 Accrued Earnings Withdrawal (30 days) → ✅ Withdraw → 🔁 manually/Auto Re-Lock

Deposit Day
Funds enter 90-day lock cycle
Day 0 → Day 90
Every 30 Days
Accrued Earnings available for withdrawal
Accrued Earnings does NOT auto-relock
Day 90
Capital + Accrued Earnings move to Available Balance
Withdrawal Opens
Next 5 Days
Withdraw all or part of your funds
Manually or Auto Re-Lock After Window
Jan 1

₦100,000 deposited

Locked until Mar 31 (90 days)

Every 30 Days

Accrued Earnings Available for Withdrawal

You can withdraw accumulated Accrued Earnings every 30 days while capital remains locked. Accrued Earnings does NOT auto-relock.

Mar 31

₦100,000 + Accrued Earnings available

Withdraw between Mar 31 – Apr 4

Apr 5

Remaining funds re-locked

New 90-day cycle starts automatically

How It Works Long-Term

  • Every deposit runs on a 90-day lock cycle
  • Accrued Earnings can be withdrawn every 30 days while capital remains locked
  • Accrued Earnings does NOT automatically re-lock
  • After 90 days, capital + remaining Accrued Earnings enter a 5-day withdrawal window
  • You may withdraw all or part of your funds
  • You may manually re-lock all or part of your funds
  • Any remaining balance after withdrawal window automatically starts a new cycle

This structure ensures liquidity control, predictable returns, and long-term capital growth while giving you access to your Accrued Earnings every month.

Frequently Asked Questions

Find answers to common questions about Medivest

How do withdrawal cycles work for multiple deposits? +

Each deposit maintains its own independent monthly withdrawal cycle:

  • Deposit on the 6th → Accrued Earnings available for withdrawal every month on the 6th
  • Deposit on the 7th → Accrued Earnings available for withdrawal every month on the 7th
  • Deposit on the 12th → Accrued Earnings available for withdrawal every month on the 12th

This creates a recurring monthly Accrued Earnings withdrawal calendar for each of your deposits, giving you flexibility to withdraw Accrued Earnings on their respective monthly anniversaries while capital remains locked for 90 days.

Can I withdraw my Accrued Earnings before the 90-day lock ends? +
Yes! You can withdraw your accumulated Accrued Earnings every 30 days while your capital remains locked for the full 90-day period. The Accrued Earnings does NOT automatically re-lock and remains available for withdrawal anytime after each 30-day period. Capital remains locked until the full 90 days are complete.
Can I withdraw before maturity? +
Accrued Earnings: Yes, every 30 days. Capital: No, capital is locked for 90 days. After maturity, capital and remaining Accrued Earnings move to your Available Balance and can be withdrawn within a 5-day window. Any amount not withdrawn will automatically start a new 90-day lock cycle.
Are there fees? +
Account services are free; withdrawal fees (if any) are disclosed at the point of withdrawal. We believe in transparent pricing with no hidden charges, so you'll always know exactly what to expect before confirming any transaction.
Is my capital insured? +
Funds are insured by NDIC via our partner banks, investment funds are backed by verified healthcare invoices with stringent risk assessment. We maintain reserves and implement multiple security measures to protect your funds.
How do I track my earnings? +
You can track all your deposits, Accrued Earnings withdrawal dates (every 30 days), maturity dates, and earnings through your personalized dashboard. We provide detailed reports and real-time updates on your investment performance, with the option to download statements for your records.

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