a reliable & dependable partner

Lease Finance  |  Loans  |  Savings Scheme  |  Thrift  |  Home Ownership  |  Educational Loan  |  Skills Acquisition  

A Lot of People Lack Access to CASH for Business and Personal use.

A Lot also Lack Access to Opportunities that will enable them Better their lot in Life

A Lot also Lack Access to the Good things of Life that make Life more Comfortable

We’re on a Mission to CHANGE all that. And here’s how.

lease finance

home ownership

savings scheme

skills acquisition

easy life sales

educational loan

Frequently Asked Questions

Fill an application form with a token of N3, 000 for group and N5, 000 for individual. Click HERE to fill the form.

48hrs subject to availability of funds

Members first, then non members


Open to all

No charges is applicable for Thermocool products except application form of N3,000 while charges applies to other products

Yes delivery is optional and the cost is carried by the lessee


Weekly statements will be sent to you

6 months or 9 months respectively

Yes, family member plus additional non family member.

Join 5000+ Businesses, Families and Individuals that are being supported by Cephalad Cooperative

And we’re not done yet.

Meet Our Management Team

Njideka Isaac-Akhigbe

Managing Partner/CEO

Njideka Akhigbe is currently the Managing Partner of Cephalad Cooperative, she co run this company alongside other notable companies such as: Multi Asset Leasing and Investment, Multi Asset Business solutions. Mrs. Njideka Akhigbe graduated from Ambrose Alli University, Ekpoma and University of Benin benin City, where she obtained her first degrees in Theatre and Media Arts. Due to her strong interest in entrepreneurship she enrolled in the university of South Wales United Kingdom where she bagged a Master degree in Business Administration (MBA) she is a Member of some professional bodies such as: Chartered institute of Bankers of Nigeria, Institute of Credit Administrators (in view). She has a wide experience in Banking having worked in some top banks in Nigeria. She started her banking career in Omega Savings and Loans where she was a Business development Executive. She also worked in other Nigerian banks such as Fidelity Bank plc. Hopewell Maritime Company and Financial Derivative Company, Limited. Due to her strong passion for more challenging responsibilities she later joined Standard Chartered bank where she has distinct as customers service, clients relationship and Wealth management of high net worth individuals. She had the opportunity to attend the best trainings in SCB while leveraging on the bank International coverage and local market knowledge. Based on the personal objectives and in the Spirit of entrepreneurship, she later made the biggest move of her life by setting up Cephalad cooperative/ multi asset ltd which is an indigenous company that is into sales and leasing of Electronics item, financial inclusion and Diversity the company has been in existence for over 5 years. Currently located in Lagos with clients spread across various locations in the city of Lagos. Njideka is a Christian and she is happily married with lovely children



He is an enthusiastic, self-motivated, reliable, responsible and hard working person. He is a mature team worker and adaptable to all challenging situations. He has BSc in Banking and Finance from University of Nigeria Nsukka, and MBA Marketing also from UNN also. He has worked at management level in various organizations such as TIG Logistics Limited, Promo skills Limited, Charles-Ford Nig. Limited and many others.

Florence Ogechi Oboho

Head of Finance and Administration

She is a graduate of accounting from Lagos State Polytechnics, with post graduate diploma in accounting from Lagos state University. She has over 12 years of banking operation experience. She has worked in New Nigeria Bank, Unity Bank, Rehoboth Microfinance Bank, Accion MFB.



He is a graduate of Business Administration and Management from Akanu Ibiam federal polytechnics Afikpo, Ebonyi State. He is member of Nigeria institute of Management(N.I.M) He is versatile in Microfinance Banking, he has several years of experience in finance and operation. He evaluate and coordinate investment and periodic report. He has worked in Hygiene Contract Services, Corestep Microfinance Bank.

Chineyenwa Asomugha


Chinenye is the head of Business development, joined Cephalad cooperative in 2017, she is a graduate of Business Education (B.ed) from Lagos state university, Chinenye is full of passion and compassion for the work of the grassroots empowerment, through her passion, she has been able to establish 3 different business locations in Lagos, Chinenye is very passionate about grass root education, and will stop at nothing to ensure every child from the grass root acquire basic education at affordable environment, she has established this basic education for children in over 10 different schools in Lagos and still counting she is an advocate of women and child labor in her catchment area.

contact us

Our Offices

29 Ire Akari Estate Road, Isolo Lagos

93 Ago Palace way, By Grand-mate bus stop. Close to Fidelity Bank Ago Lagos.

63 Egbe road, Ejigbo ( opposite Ejigbo mini stadium)

Our Hours

08:00 AM – 06.00 PM
Monday – Friday

Saturdays: 10am – 2pm


Our Contact

Phone: 08163815720, 09091626859, 09067726658
Email: info@cephaladng.com

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