PlotForce — Land-Sales Platform for Nigerian Estate Companies

PlotForce

Land-sales OS for Rivergate Estates · Port Harcourt

The field marketer's whole day, in one thumb. Available plots, ready-made marketing kits, a CRM that tells them exactly who to call next, their own branded storefront, and a wallet that pays commission the moment corporate confirms a sale. Tap the bottom bar to move between screens.

9:41 ⏳
Offline — working from your saved kit 4 queued
CO

Morning, Chidera

◆ Diamond Consultant · Rank #4
Waiting to sync
2
New leads capturedMet at Emerald Gardens inspection
Queued
1
Plot reservationBlessing Eze · Block C, Plot 14
Queued
1
Task completionSite-inspection seats confirmed
Queued

Keep working — everything saves to the phone and uploads the moment you get signal. A plot is only claimed when payment begins, so nothing is held on the strength of a queued record.

“

The best investment on earth is earth.

— Louis Glickman
68%
July target
₦2.7M / ₦4M commission
2 more plots closes it. You've got this.
🔥 7-day outreach streak

Today's tasks · from Admin

3 left
Post Emerald Gardens flyer to 3 WhatsApp groups
Due 12pm+50 ptsSet by Admin
Call your 5 warm leads before 5pm
Today+80 pts
Confirm Saturday site-inspection seats (8 left)
+30 pts

Hot right now

See all
InstallmentLand banking
Aerial tour

Emerald Gardens Estate

📍 Ogoni Corridor, Eleme LGA · C-of-O
₦6.5Mfrom ₦1.2M deposit
Plot size500 sqm
Your commission₦520,000

Available properties

7 estates you're cleared to sell
InstallmentLand banking
Aerial tour

Emerald Gardens Estate

📍 Ogoni Corridor, Eleme · C-of-O
₦6.5M₦1.2M deposit · 12 months
Plot500 sqm
Land-banking payout+22% / yr
Full kit saved on this phone · 84 MB
Land banking
🌊 Waterfront

Bluewater Waterfront

📍 Bonny Island · Survey + Deed
₦9.0MOutright or 6-month plan
Plot600 sqm
Your commission₦810,000
Group buy · 6 slots

Pearl City Phase 2

📍 Eleme–Onne Road · Gazette
₦3.8MSplit across co-buyers
Plot300 sqm
Your commission₦304,000

Your pipeline

18 leads · ₦14.2M in play

Blessing hasn't heard from you in 3 days. Deals close on the 6th touch — she's on her 4th. Call now.

BE
Blessing Eze
Emerald Gardens · ₦6.5M · last call 3d ago
⏰ Next: confirm deposit today
TA
Tunde Adeyemi
Bluewater · ₦9.0M · viewed brochure 2×
⏰ Next: send aerial video
IN
Ijeoma Nwosu
Pearl City group buy · ₦3.8M · new lead
⏰ Next: intro WhatsApp + storefront link
MK
Musa Kabir
Emerald Gardens · ₦6.5M · asked for payment plan
⏰ Next: share 12-month schedule

My storefront

Your public page — you're the brand
✓ Verified Rivergate Consultant
CO

Chidera Okonkwo

rivergate.ng/chidera

Helping families own genuine, titled land across Rivers State. Verified plots · flexible plans · land banking that pays. Let's build your future. 🏠

31Plots sold
7Estates
4.9★Client rating

Auto-generated share card

LAND BANKING · +22%/YR
Emerald Gardens Estate
500 sqm · Ogoni Corridor · from ₦1.2M deposit
CO
Chidera Okonkwo · Verified Consultant
rivergate.ng/chidera

Every property you post generates a branded OG image with your name and link baked in — so WhatsApp, Facebook & X previews sell for you.

Proof-of-growth card

VERIFIED PRICE HISTORY
+208%
Emerald Gardens · 500 sqm · 4 years
2022 2023 2024 2025 2026 ₦1.3M ₦4.0M
CO
Chidera Okonkwo · Verified Consultant
✓ From 31 recorded Rivergate allocations

Built from your company's own sale records — not a guess. Nothing convinces a hesitant buyer like the price they could have paid last year.

Wallet

Paid automatically on confirmed sales
Payout: Fri
Available to withdraw
₦742,500
Pending clearance₦520,000
Earned in July₦2,706,000
Commission · last 7 months

Recent activity

Commission — Bluewater plotSale #RG-2291 confirmed by corporate
+₦810k
Referral override — Team saleGrace closed Emerald Gardens
+₦96k
Withdrawal to GTBank•••• 4471 · instant
−₦400k

You never collect cash from clients. Every kobo flows through Rivergate corporate — you just get paid. On a payment plan commission vests as the buyer pays, and is clawed back if the sale is cancelled.

Live prototype · tap the bottom bar & the cards

Why marketers stay

It's built to make an independent marketer feel — and earn — like a business owner.

Motivation engine

Real-estate quotes, streaks, a live target ring and leaderboard rank. The home screen's job is one thing: get them to make the next call.

Marketing toolbox per estate

Videos, voice-overs, coordinated aerial views, brochures and price lists — pre-approved so nobody markets an estate the company hasn't cleared.

CRM that nags the right call

Every lead has a next action and a countdown. Cold leads resurface. The system pushes the 6th-touch call most agents never make.

A storefront + OG share cards

Each marketer gets rivergate.ng/their-name listing only company-approved plots. Every post auto-builds a branded social card that sells while they sleep.

No cash, instant payout

Marketers never collect money — the PWAN anti-fraud rule. Commission lands in the wallet as corporate confirms payment, vesting with the buyer's instalments and subject to a payout cap, incl. referral overrides from their downline.

Works with no signal

Inspections happen on bush land with one bar of network. The full kit — videos, aerials, brochures, price lists — is saved to the phone, and leads, reservations and task completions queue up and sync when signal returns. Try the toggle under the phone.

The office side: assign, approve, and trace every naira. Admins set tasks and clear estates; a staffer on-site can report work and request funds; the money auto-approves under a super-admin limit or escalates to Accounts. Nothing moves without a trace.

Sales this month
₦318M
▲ 24% vs June
Plots sold
142
▲ 31 outright · 88 plan
Active marketers
276
▲ 19 new this week
Pending payouts
₦4.1M
6 awaiting Accounts

Field work & expense request

Sale #RG-2291 · borehole repair at Emerald Gardens show-house · requested by staff Ibrahim S.

1
Staff completes work & reportsdone
Ibrahim uploads 4 photos + a note. Geotag + timestamp attached automatically.
2
Requests ₦45,000 for the plumbersubmitted
Attaches receipt. Routed to the estate's assigned Admin.
3
Admin approves the reportapproved
Ada (Estate Admin) verifies against the work log and signs off.
4
Auto-checked against limitauto
₦45,000 is under the ₦50,000 auto-approve ceiling → skips Accounts queue.
5
Cash released to Ibrahimpaid
₦45,000 sent to his account. Ledger entry #TX-8842 created. Admin notified.

Super-admin: auto-approve ceiling

Requests at or below this clear automatically. Above it, they route to Accounts for a second signature.

₦50,000drag to set
Open request · plumber repair₦45,000
Auto-approved — cash released
₦45,000 is within the ₦50,000 ceiling. No Accounts step needed.

Money trace · Sale #RG-2291

Every move on one plot — deposit to commission — is one immutable thread.

Client deposit · Bluewater+₦4.5M
Paid to corporate account · TX-8790
Split: land cost & reserve₦3.4M
Allocated to estate development escrow · TX-8791
Marketer commission accrued₦810k
Chidera O. · held pending confirmation · TX-8792
Field expense · plumber−₦45k
Auto-approved · paid to Ibrahim S. · TX-8842
Commission released₦810k
To Chidera's wallet on confirmation · TX-8901

Double-sale protection · no holds, no squatting

Nothing is ever reserved

Every buyer always sees every free plot. There is no hold to squat, no cap that refuses honest buyers, and inventory can never look falsely sold out. The plot is claimed in a single atomic write at the moment payment begins.

1
Browse & choose — nothing locked
Forty buyers can have Plot A‑3 open at once. None of them affects the others.
2
Claim at payment startatomic
One conditional write — UPDATE plots SET status='pending' WHERE id=? AND status='available'. Exactly one buyer can win it; the database guarantees it, not a timer.
3
Winner pays — seconds on NIP
Virtual account confirms and the plot flips to sold.
4
Loser is stopped before paying
They never reach the payment screen, so there is no refund, no dispute, and no "you sold my plot twice" accusation. They pick another plot in one tap.
Money never moves twice for one plot
The race is resolved before the payment session is created.

How often does the race actually happen?

Two buyers starting payment on the same plot inside the same window.

Purchase attempts per hourA quiet day is 1–3. A WhatsApp broadcast or launch Saturday is 100–400.
3 / hr
Payment windowClaim to confirmation. Instant transfer is ~10s; card with 3-D Secure is ~90s.
45 s
Plots demand concentrates onCorner plots and those near the green area attract clustered interest.
6 plots
Chance a sale hits the race
0.31%about 1 in 326 sales
On a normal day the race is a rounding error — which is exactly why holds were never worth their cost.
Races per 1,000 sales3
Buyers charged twice0
Atomic claim alone is enough — no holds needed

Live sale monitor

What the office sees. No hold queue to manage at all.

Plots available right now18 of 48
Payments in flight2
Races lost today1 · rebooked to D‑7
Double charges0 all-time
Abandoned at payment6% · plots freed instantly

Commission structure · set by Super Admin

How deep does the network pay?

Add or remove levels and set each rate. Applies company-wide, and can be overridden per estate.

3 levels
Total paid out per sale
Within the 12% payout cap.
10.25%

Live preview

A ₦6,500,000 plot at Emerald Gardens, sold by Chidera under Grace under Emeka.

Company keeps₦5,833,750

Level 1 is the marketer who closed the deal. Every level above is an override to their upline — the mechanic that makes people recruit and train their team.

Role-based access · who can do what

CapabilitySuper AdminEstate AdminAccountsMarketerField Staff
List / edit a property✓✓●●●
Assign tasks to marketers✓✓●●●
Approve field work report✓✓●●●
Release funds to staff✓●✓●●
Set auto-approve ceiling✓●●●●
Sell & earn commission●●●✓●
Request funds for on-site work●●●●✓

✓ full permission  ·  ● not granted  — every role is scoped so a marketer can never touch client cash and only Accounts + Super Admin release funds above the ceiling.

Product shapes handled out of the box

Outright
One payment, instant allocation & title handover.
Installment
Deposit + tracked schedule; auto-reminders on due dates.
Land banking
Buy now, guaranteed % payout to account at term end.
Group / joint
Multiple co-buyers on one plot, shares & payouts split.

Land banking is a promise with a date on it. Every position a customer holds is money the company owes on a known day — so this tab treats it as a liability, warns you months ahead, and shows whether the reserve covers what's maturing.

Total payout liability
₦57.3M
across 6 active positions
Principal held
₦47.8M
₦9.5M growth owed
Maturing in 90 days
₦26.5M
3 positions
Reserve coverage
118%
₦31.2M in escrow

Maturity calendar

What falls due, month by month. Highlighted months are inside your alert window.

Inside alert window Later maturities Nothing due

Alert me before maturity

How much warning does Accounts need to have the cash ready?

3 monthsdrag to set
3 payouts need funding
Super Admin and Accounts get a reminder 3 months before each date, then again at 30 days and 7 days. Total to have ready: ₦26.5M.

Payout rate and term are set per package when the estate is listed — 22%/yr on Emerald Gardens, 18% on Bluewater, 15% on Pearl City.

All land-banking customers

3 need attention
CustomerEstatePrincipalRateMaturesPayout dueStatusMarketer

Each row links to the customer's full money trace — deposit, growth accrual, and the payout instruction to their bank account.

What the company actually owns, and exactly how it's cut. Every parcel registered with its title, survey plan and beacon coordinates; every estate drawn as a live site plan where a sold plot turns green the moment corporate confirms payment.

Land under title
24.2 ha
5 parcels · 3 LGAs
Plots in inventory
402
▲ 68 added this quarter
Sold / allocated
147
37% of inventory
Unsold plot value
₦1.73B
at current price list

Land register · parcels & titles

ParcelSizeTitleSurvey / beaconsCoordinatesAcquisitionPlots
Emerald Gardens Ph.1Ogoni Corridor, Eleme LGA 2.9 ha C-of-O RV/SP/2024/1187
4 beacons · perimeter walled
4.7891°N
7.1123°E
₦186M
Mar 2024
48
40 sold
Emerald Gardens Ph.2Ogoni Corridor, Eleme LGA 4.1 ha Gazette · perfecting RV/SP/2025/0442
6 beacons · survey filed
4.7903°N
7.1158°E
₦241M
Jan 2025
68
18 sold
Bluewater WaterfrontBonny Island 5.6 ha Deed + Survey RV/SP/2024/0938
8 beacons · shoreline setback
4.4267°N
7.1701°E
₦418M
Aug 2024
92
43 sold
Pearl City Ph.2Eleme–Onne Road 3.2 ha Gazette RV/SP/2023/2210
4 beacons
4.7412°N
7.1489°E
₦152M
Nov 2023
54
46 sold
Rivergate HillsEtche LGA 8.4 ha Due diligence Survey pending
Family land · settlement in progress
5.0894°N
7.0612°E
₦295M
Offer stage
140
Not yet listed

A parcel can't be listed for sale until its title reaches Gazette or better — the system blocks it, so no marketer can sell land the company hasn't perfected. Rivergate Hills stays invisible in the marketer app until due diligence clears.

Estate plan · Emerald Gardens Phase 1

48 plots · 2.9 ha
18M ACCESS ROAD BLOCK A BLOCK B BLOCK C BLOCK D GREEN AREA & RECREATION PLAYGROUND CLUBHOUSE WATER PLANT & SUBSTATION GATE
Available 18 Payment in flight 6 Sold 19 Land banked 5
Plot A‑1
Sold
Block
A (corner)
Size
600 sqm
Price
₦7,800,000
Owner
Blessing Eze
Sold by
Chidera O.

Tap any plot on the plan to inspect it.

Marketers see this same plan read-only in the app — so a client at an inspection can point at the exact plot they want, and the marketer can see instantly whether it's still free. It's also the 2D layer of the 3D flythrough; the aerial drone capture is registered against these same beacon coordinates.

Sales configuration · how each plot's money is cut

Revenue split · Emerald Gardens

Set once per estate. Every confirmed sale posts these entries to the ledger automatically.

Allocated
Balanced — every naira is accounted for.
100%

Price list & appreciation

The recorded price history behind the marketer's proof-of-growth card.

Year500 sqm600 sqm cornerChange
2022₦1,300,000₦1,560,000—
2023₦1,800,000₦2,160,000+38%
2024₦2,600,000₦3,120,000+44%
2025₦3,200,000₦3,840,000+23%
2026₦4,000,000₦4,800,000+25%
+208% over 4 years
Each price change is stamped with the date it took effect and the admin who set it. Marketers can only share growth the company can prove from its own allocation records.

Every parcel has a paper trail; every owner gets their copy. The company's own title documents are tracked to completion, each buyer's pack is generated from letterheaded templates, and delivery is logged — so "I never received my allocation letter" stops being an argument.

Title completeness
84%
6 documents outstanding
Owner packs issued
139
of 147 allocations
Awaiting signature
8
oldest 11 days
Documents stored
1,284
6.2 GB · encrypted

Company property · documentation checklist

7/7
Emerald Gardens Ph.1
Complete · safe to sell
Certificate of Occupancy2.1 MB
Deed of Assignment880 KB
Registered Survey Plan4.6 MB
Gazette / Excision1.3 MB
Layout approval2.8 MB
Community settlement deed640 KB
Environmental impact report5.2 MB
5/7
Emerald Gardens Ph.2
Perfecting · listed with caveat
Certificate of Occupancypending
Deed of Assignment910 KB
Registered Survey Plan3.9 MB
Gazette / Excision1.1 MB
Layout approvalexpires 40d
Community settlement deed720 KB
Environmental impact reportnot started
2/7
Rivergate Hills
Blocked from listing
Certificate of Occupancy—
Deed of Assignmentdrafting
Registered Survey Plansurveyor booked
Gazette / Excision—
Layout approval—
Community settlement deed1.4 MB
Vendor family consent2.2 MB

The ring drives the listing gate on the Land tab. Rivergate Hills can't be sold at 2/7, and an expiring document raises a warning before it lapses — not after a buyer asks for it.

Plot owners & document packs

139 packs issued
BE
Blessing EzePlot A‑1 · Emerald Gardens · 600 sqm · paid in full
✓ Allocation letter✓ Contract of sale✓ Receipt✓ Survey plan✓ Deed
Pack delivered to blessing.eze@gmail.com and WhatsApp 0803 441 2290 on 14 Jun 2026 · opened 14 Jun · deed downloaded 16 Jun
MK
Musa KabirPlot C‑5 · Emerald Gardens · 500 sqm · installment 7/12
✓ Allocation letter✓ Contract of sale✓ Receipts (7)⌛ Survey planDeed on completion
Deed is withheld until the final installment clears — the schedule releases it automatically on payment 12.
FB
Fatima BelloPlots A‑10, B‑5 · land banking · matures 15 Apr 2027
✓ Allocation letter✓ Land banking agreement✓ Receipt⌛ Payout undertaking
Payout undertaking states the ₦15,860,000 due on maturity and the account it settles to.
IN
Ijeoma Nwosu + 3 co-buyersPlot D‑4 · Pearl City · joint ownership · 25% each
✓ Allocation letter (4)⌛ Co-ownership agreementDeed pending
Each co-buyer receives their own copy naming all four parties and their percentage share.

Templates & letterheaded paper

Document library

Every template carries the company letterhead, RC number and authorised signatures. Admins edit once; every generated document follows.

Merge fields available
{{owner_name}}{{plot_id}}{{estate}} {{plot_size}}{{amount_paid}}{{balance}} {{payment_plan}}{{marketer}}{{date}} {{ref_no}}{{maturity_date}}{{payout_amount}}

Generated documents are watermarked with the reference number and locked as PDF — a marketer can send an allocation letter but can never alter its terms.

What the customer sees at rivergate.ng/chidera. Pick a plot off the live plan, choose how you want to pay, and reserve it with a deposit — the plot is held while you complete payment, exactly like holding a seat on a flight. The marketer's link is attached throughout, so the commission attributes automatically.

CO
You're buying through Chidera OkonkwoVerified Rivergate Consultant · rivergate.ng/chidera · 0803 441 2290
✓ Verified consultant
1Choose plot
2Payment plan
3Your details
4Pay

Choose your plot

Emerald Gardens Phase 1, Eleme · C-of-O · 48 plots. Green and gold plots are already taken.

BLOCK ABLOCK B BLOCK CBLOCK D GREEN AREA PLAYGROUND CLUBHOUSE WATER PLANT GATE
Available — tap to select Payment in flight Sold Land banked

How the money actually arrives — and what it takes to become real. Most buyers here pay by bank transfer. They can send a receipt, but a receipt creates nothing: no payment, no ledger entry, no allocated land. Only a named person in Accounts, matching it against the company's own statement, turns it into money.

Awaiting a check
7
oldest 2h 14m
Confirmed today
₦24.8M
▲ 11 transfers
Not found on statement
2
buyers told why
Counter sales today
3
recorded by Accounts

What the buyer is shown

The published collection account, with the sale reference as the narration so Accounts can match it.

BankZenith Bank
Account nameRivergate Estates Limited
Account number1014882290
Amount₦7,300,000
NarrationDE‑0004
Chidera O. is not authorised to collect this money
Nor is any other consultant. The wording puts the negation next to the verb so it cannot skim as permission.

Admins publish the account themselves. Until one is set, the page tells the buyer to phone the office rather than inventing a number.

A screenshot is a claim, not a receipt

What an upload does, and what it deliberately does not.

1
Buyer uploads the receiptrecorded
Image or PDF, 8 MB cap. Amount, depositor and date captured with it.
2
Nothing financial happens
No payment row, no ledger entry, no allocated land. A convincing image must never be enough to take a plot.
3
The plot is protectedthe one thing it earns
The abandonment sweep will not release it. A buyer who genuinely transferred does not lose their land because nobody checked before lunch.
4
Accounts finds it on the statementmoney exists
The statement amount overrides what the buyer typed. Only now is a payment created and the sale confirmed.

Transfers waiting on Accounts

7 to check
SaleBuyer saysClaimedSentReceiptDecision
DE‑0004Emerald Courtyards · Terrace A1 Ijeoma Nwosu
ref “DE-0004”
₦78,800,000 24 Sep, 09:14 PDF · 1.2 MB Awaiting check
RI‑0031Emerald Gardens · Plot C-5 Musa Kabir
instalment 8 of 12
₦596,000 24 Sep, 08:02 Image · 840 KB Awaiting check
RI‑0029Emerald Gardens · Plot A-9 Blessing Eze ₦7,300,000 23 Sep, 16:41 Matched Confirmed by clerk
RI‑0027Pearl City · Plot D-2 Unknown depositor ₦1,200,000 23 Sep, 11:08 Image Not found — buyer told

Refusing requires a reason, and the buyer is shown it. “No” with nothing to act on is useless to somebody who believes they have paid.

Somebody walks into the office

A buyer standing at the counter who has just transferred. Accounts records it against whatever is actually available.

What they are buyingEmerald Courtyards · Flat 1B
Specification3 bed · 2 bath · 140 sqm
Agreed price₦48,000,000
Received today₦48,000,000
Credited toChidera O.
The same atomic claim as the website
A customer in front of a clerk is not a reason to skip it — two branches can reach for one property in the same minute.

Joint purchase is deliberately not offered here: this form collects one buyer, and recording a jointly bought property wholly in one name is the ownership dispute the share model exists to prevent.

Fees — set by the company, frozen per sale

Admins edit the schedule. What a buyer was quoted never moves afterwards, whatever the schedule does later.

FeeAmountBasisRefundable
Documentation & legal₦250,000Per plotNo
Survey plan₦150,000Per plotNo
Development levy₦400,000Per plotNo
Total added₦800,000——
Frozen at the moment of sale
A buyer on a twelve-month plan agreed to a figure. Re-reading today's schedule when they pay instalment nine would quietly change the deal — so each sale carries its own copy of the fees it was sold under.

The people the company pays for time. Consultants earn commission and are paid through Payouts; security, drivers, site staff and the office are paid a wage — and most of them never open the app. Attendance is marked for the whole day at once, and no one person can move payroll on their own.

On the books
38
4 departments
Marked present today
34
2 unaccounted for
This month's payroll
₦11.4M
gross, before deductions
Held for the tax authority
₦2.6M
PAYE & pension, not yet remitted

The register

A staff member needs no login. Two flags are raised the day they are entered, not on the morning of the run.

PersonRolePaidRate
Adaeze Okonkwo
RG-001 · Sales support
Office managerMonthly₦420,000
Musa Kabir
RG-002 · Field operations
Site supervisorMonthly₦310,000
Sunday Okoro
RG-005 · Security
SecurityPer day₦6,500
Emeka Okoro
RG-006 · Security
SecurityPer day₦6,500
Tunde Balogun
RG-008 · Field operations
DriverMonthly₦150,000
Worth a question before the next run
Sunday and Emeka Okoro share account 1014882294. Sometimes a family arrangement, sometimes not. Tunde Balogun has no bank details, so no instruction can be written for him.

Who was at work

The whole day at once. A supervisor marking forty people one at a time stops doing it by Wednesday, and attendance nobody records is what makes payroll unanswerable.

PersonStatusRecorded by
Adaeze OkonkwoPresentclocked in 07:52
Musa KabirPresentmusa
Sunday OkoroPresentmusa
Grace AdeyemiApproved leavefrom the leave screen
Emeka OkoroNot marked—

Blank is not the same as absent — it says nothing about them. Approving leave marks the register too, so nobody has to answer “was she absent or on leave?” twice. A day that has not happened yet cannot be marked.

Payroll run · September 2026

needs 2 signatures

Check these before anyone approves

The run opens with what nothing accounts for. Every one of these has an innocent explanation; the point is that somebody looked.

!
2 people nobody can account for
Emeka Okoro and Tunde Balogun were not marked present once, and have no approved leave, for the whole period. Why are they being paid?
!
1 shared bank account
Two salaries landing in 1014882294 — Sunday and Emeka Okoro.
∆
Headcount since Augustnamed
New this run: Sunday Okoro. Gone since last run: nobody.
!
1 with no bank details
Tunde Balogun is on the run, but no payment instruction can be written for him.

Nobody moves it alone

How many signatures depends on the amount. Whoever prepared it is never one of them.

1
HR builds the rundone
Worked out from the register and the attendance book. Nothing is paid and nothing is committed.
2
Owner signs1 of 2
HR is told on screen that they cannot approve their own work.
3
Director completes itapproved
Both signatures recorded with what the warnings said at the time.
4
Accounts releases the moneynot an approver
Anyone who approved it is refused here. The director who signed cannot also pay.
Salaries expensed₦1,880,200
Out of the bank₦1,422,919
Held as a liability — not the company's money₦457,281
Have your accountant confirm the rates
PAYE bands and pension rates are set here rather than fixed in the software, because they change. They ship with sensible defaults, but nobody here is your accountant — check them before the first live run. The payroll screen says exactly this.

A deadline passing writes nothing. Nobody clicks anything when a certificate expires, so a system that only reacts to clicks reports a company perfectly compliant on the morning its registration lapsed. The calendar is read every night instead — and property health sorts on when work has to start, not when it is due.

Overdue
2
one reaches the title
Due soon
3
inside their own warning windows
Held for the tax authority
₦457,281
PAYE & pension payable
Plots on slipping land
10
still being offered to buyers

Overdue — worst consequence first

Not sorted by date. A late VAT return above an expired SCUML certificate would be exactly backwards.

WhatForWas dueIf it stays missed
SCUML registrationEFCC (SCUML) Rivergate Estates 9 Jun 2026
74 days ago
Personal liability for directors
Ground rentState lands bureau Emerald Courtyards 18 May 2026
96 days ago
The title degrades

Estate agents and developers are a designated non-financial business under the money-laundering rules, so SCUML registration with the EFCC is a requirement — and banks ask for the certificate. It is seeded at the highest severity.

Due soon — soonest first

Nothing has been missed yet, so the question is what to do this week. A remittance due Friday must not sit below a return due in six weeks.

PAYE remittance · SeptemberState Internal Revenue Servicein 4 days
VAT return · SeptemberFIRSin 18 days
CAC annual return · 2026Corporate Affairs Commissionin 45 days
8 with nobody named against them
An obligation nobody owns is one nobody does. At this scale that is how a registration lapses without anybody having decided to let it.

Property health · sorted by when work must start

2 need attention
EstateStateWhat needs doingStart byDeadlineIf it slips
Emerald CourtyardsEleme, Rivers · 1 plot on sale Lapsed Ground rent
State lands bureau
3 Apr 2026
overdue to start
18 May 2026
passed
Title degrades
Emerald Gardens Ph.1Eleme, Rivers · 9 plots on sale Start now Layout approval
document on file, expiring
3 Jul 2026
overdue to start
1 Oct 2026
7 days away
Plots leave the storefront
Rivergate HillsEtche, Rivers · not listable Clear Ground rent 15 Sep 2028
in 755 days
30 Oct 2028 Nothing yet

A renewal here is months of visits, not a form filed on the deadline — so the screen leads with the date somebody can still act on. A document lapsing pulls every plot on that parcel off the storefront without anybody deciding to, which is why it carries the same warning as an arrears notice.

Agreed is not collected. An estate that looks fully sold and is a tenth collected is a different business from one that looks the same and is paid up — and that difference is what puts companies in this market out of business. Money going back out gets the same treatment, because it is the most disputed money there is.

Agreed
₦13.8M
what buyers committed to
Collected
₦8.73M
63% of agreed
In arrears
₦4.39M
instalments whose day has gone
Refunded
₦1.05M
paid back this quarter
EstateSoldAgreedCollectedArrearsValue movement
Emerald Gardens Ph.1Eleme, Rivers 2 of 12
16%
₦13,800,000 ₦8,730,000
63%
₦4,387,500 +225%
₦2.0M → ₦6.5M
Emerald CourtyardsEleme, Rivers · houses 0 of 6
0%
₦0 ₦0 — not repriced
Rivergate HillsEtche, Rivers 0 of 0 ₦0 ₦0 — no sales yet

Uplift is reported separately from revenue, and only where somebody has actually set a current price. An estate nobody has repriced has not grown — it has simply not been looked at, and claiming otherwise is what this market is already full of. A plot sold at two million is two million of revenue whatever it would fetch today.

Refunds · the arithmetic the buyer is shown

A real offer

Buyer cancelled a twelve-month plan 1,100 days in. Worked out once and frozen — editing the policy afterwards does not change it.

They paid in₦1,500,000
Less: administrative charge− ₦150,000
Less: fees already spent on their behalf− ₦300,000
Comes back to them₦1,050,000

The fees line was trimmed from ₦800,000 by the company's own 30% ceiling — and the buyer can still see which charge was reduced, rather than a scaled-down mystery.

Two things policy cannot override
If the company could not deliver, it keeps nothing. Money banked twice was never its to keep. A rule that let a company charge for its own failure is not a rule this will write.

Terms, per estate and per plan

Land banking and a finished house sold outright are different bargains. The owner sets these; changing them never touches a refund already offered.

Applies toGraceChargeFeesNever more than
Company-wide
every plan
7 days10%kept30%
Emerald Courtyards
land banking only
14 days20%returned40%
A refunded plot is repriced, never relisted
A plot sold for ₦2,000,000 in 2023 and refunded today is not a two-million plot. It goes back on sale at ₦6,500,000 — today's price. Where nobody has set a current price for that size, it is held off the market rather than guessed at: an unlisted plot loses a sale, a mispriced one loses the difference every time.

Money out · nobody does it alone

1
Estate office opens itfigures freeze here
Ada works it out with the buyer on the phone. The quote is reachable before anybody commits — the argument is far easier to have before a figure is on paper.
×
She cannot approve her own
One person able to both set an amount and approve it is the whole attack. The screen tells her so.
2
Owner signs, director completes it1 of 2, then 2 of 2
₦1.05M needs two signatures under the ladder.
×
Neither of them can release it
Somebody who approved a refund cannot also move the money.
3
Accounts pays it and the plot returnsat today's price
Posted to a contra-revenue account, so the books read “revenue X, refunds Y” rather than a smaller X hiding both. Commission on the sale is clawed back, because it was paid out of money that has now gone back.

A refund is deliberately not a negative payment. That would quietly reduce what a buyer had paid, make a settled sale look unpaid, and move money out with none of the approval a refund carries.

PlotForce — a land-sales operating system for Nigerian estate companies.
Ten working modules · 1,037 automated tests · demo data for Rivergate Estates, Port Harcourt.