Your investment is protected by institutional-grade legal structure
Every JengaFi deal is wrapped in its own Special Purpose Vehicle — the same structure used by private equity firms, sovereign wealth funds, and institutional investors worldwide.
The Structure
What is a Special Purpose Vehicle?
Think of an SPV as a legal wrapper around a single asset. Instead of investing in JengaFi the company, you invest in a standalone entity that owns one specific property.
This structure is the gold standard in commercial real estate, private equity, and project finance. It's how institutional investors have structured deals for decades — and now it's available to you.
100%
SPV structured
6-stage
vetting process
Annual
independent audits
PLATFORM
JengaFi
Originates, manages, reports
Westlands Tower
SPV #1
Kileleshwa Villas
SPV #2
Lekki Apartments
SPV #3
YOU
Choose your deals
Direct equity in each SPV you invest in
Why it matters
Four layers of investor protection
The SPV structure isn't just a legal formality — it's a deliberate framework designed to maximise your protection as an investor.
Asset Isolation
Each property is owned by a separate SPV entity. If one deal underperforms, your other investments are completely unaffected. No cross-collateralisation, no chain reaction.
Every SPV has its own bank account, its own financial statements, and its own legal identity. Your exposure is limited to the specific deal you chose.
Bankruptcy Remoteness
The SPV is legally independent from JengaFi as a platform. If JengaFi were to cease operations, the SPV continues to exist and the property remains yours.
An independent administrator would step in to manage the asset, collect rent, and distribute proceeds. Your ownership interest survives the platform.
Direct Equity Ownership
You hold actual shares in the SPV that owns the property. Not a token, not a derivative, not a promissory note — legally registered equity.
Your ownership is documented in the SPV's share register and backed by a share certificate. You have the same rights as any shareholder in a properly constituted company.
Regulated Governance
Each SPV is governed by independent directors, audited annually by licensed accounting firms, and structured under established corporate law.
Board decisions require documented resolutions. Financial statements are prepared to international standards. Directors carry fiduciary duties to shareholders — that means you.
Our Process
6-stage vetting before any deal reaches you
Inspired by best practices from institutional fund managers like RealtyMogul and CrowdStreet, every opportunity undergoes rigorous multi-stage due diligence.
Market Analysis
Macro-economic conditions, local demand drivers, comparable property data, and growth trajectory assessment.
Developer Vetting
Track record review, financial health assessment, reference checks, and site visit verification.
Legal Structuring
Title verification, SPV incorporation, shareholder agreement drafting, and regulatory compliance checks.
Independent Valuation
Third-party accredited firms value every property before listing. No self-reported numbers.
Risk Committee Review
Internal risk committee evaluates every deal against concentration limits, return thresholds, and exit viability.
Ongoing Monitoring
Quarterly financial reporting, annual audits, milestone tracking, and real-time construction updates.
How we compare
SPV-backed investing vs. alternatives
| Feature | JengaFi (SPV) | Traditional REITs | Direct Ownership |
|---|---|---|---|
| Choose specific properties | check_circle | cancel | check_circle |
| Low minimum investment | check_circle | check_circle | cancel |
| Asset isolation | check_circle | cancel | check_circle |
| No landlord responsibilities | check_circle | check_circle | cancel |
| Bankruptcy remote | check_circle | cancel | remove |
| Transparent fee structure | check_circle | remove | check_circle |
| Professional management | check_circle | check_circle | cancel |
| Quarterly distributions | check_circle | check_circle | remove |
Common questions about our structure
What exactly is an SPV?expand_more
A Special Purpose Vehicle (SPV) is a legal entity — typically a limited company — created for a single purpose: to hold one specific investment. In our case, each property deal has its own SPV. When you invest, you buy shares in that SPV, making you a direct part-owner of the entity that holds the property.
What happens to my investment if JengaFi shuts down?expand_more
Your investment is held by the SPV, not by JengaFi. The SPV is a separate legal entity with its own bank account and property title. If JengaFi ceased operations, an independent administrator would take over management of the SPV, continuing to collect rental income and ultimately liquidate the asset, distributing proceeds to shareholders.
How is an SPV different from a REIT?expand_more
A REIT pools capital across many properties — you own a share of the whole fund, not specific assets. With our SPV structure, you choose exactly which properties you want exposure to. You have direct equity in each deal, full transparency into that specific asset, and no cross-subsidy between deals.
Who are the independent directors?expand_more
Each SPV has at least one independent director who is not a JengaFi employee. They are licensed professionals with fiduciary duties to protect shareholder interests. They must approve any material action — property sales, major expenses, or changes to the SPV structure.
Can I see the legal documents for each SPV?expand_more
Yes. Before investing, you receive the full offering documents including the shareholders' agreement, memorandum of association, independent valuation report, and risk disclosures. Post-investment, you receive quarterly financial statements and annual audit reports.
How are my funds protected before deployment?expand_more
All investor capital is held in regulated escrow accounts with licensed banking partners. Funds are only released to the SPV when the investment threshold is met and all documentation is in order. If a deal doesn't reach its funding target, your capital is returned in full.
Ready to invest with confidence?
Every opportunity on JengaFi is SPV-structured, independently audited, and designed to protect your capital.