VaultPlus™ Note
Product Overview
VaultPlus™ is a high-yield, fixed-income investment note offered by Global Trust Mortgage Bank. It provides qualified investors with a secure, bank-backed return of 26% per annum, paid quarterly into their investment wallet. The capital raised through VaultPlus™ is directly deployed into BUILDA™ construction loans—creating a secured income stream backed by real assets.
Key Features
- Fixed 26% per annum return, paid quarterly (6.5% every 3 months)
- Minimum investment: ₦500,000; top-ups in multiples of ₦500,000
- Note can be used as collateral for overdraft facilities with GTMB
- Digital onboarding and wallet integration for real-time tracking
- Capital deployment into BUILDA™ construction finance projects
Investment Structure
VaultPlus™ operates as a digital fixed income product that offers quarterly coupon payments of 6.5%. Investor funds are pooled and matched with approved BUILDA™ loan disbursements, which are collateralized by project receivables and milestone monitoring.
Investors receive direct credit into their wallet and can monitor portfolio performance through their GTMB dashboard.
Eligibility & Subscription
Eligibility criteria and steps to invest include:
- Individual or corporate investor with valid KYC (BVN, NIN, utility bill, ID)
- Minimum subscription of ₦500,000
- Subscription only via the GTMB digital platform or mobile app
Returns & Payment Terms
- Fixed return: 26% per annum (6.5% per quarter)
- Payment frequency: Every 3 months directly to GTMB wallet
- Minimum holding period: 36 months
- Rollover: Auto-renewed unless opted out prior to maturity
Risk Mitigation
Funds deployed from VaultPlus™ are used to finance real estate projects under BUILDA™—a milestone-monitored, collateral-supported loan product. Risk is mitigated via:
- Project consultant certification
- Developer equity contribution
- Domiciliation of sales proceeds
- Legal agreements and performance bonds
- Quarterly fund reporting and platform oversight
