Ventures

We back Ghanaian small businesses too.

Real estate is most of what T.I does. But we also write cheques into Ghanaian operating businesses — companies we know, founders we trust, and sectors we’ve watched closely. The portfolio below is the entire ledger. We don’t scout, we don’t syndicate, and we only invest where we can be useful.

Companies
07
Committed
GHc 2.5M
Cities
05
Cheque size
GHc 150k – 600k

Portfolio

Seven companies, all currently held.

  • Life Oil Ltd

    Accra

    Oil marketing
    Seed
    GHc 600,000
    Active
    Petroleum products marketing and distribution company headquartered in Accra. Capital deployed into station expansion and bulk-fuel working capital.

  • PhinHo Construction Ltd.

    Accra · Ho · Kumasi

    Building materials
    Seed
    GHc 500,000
    Active
    Concrete-block manufacturer with production sites in Accra, Ho and Kumasi. Cheque funded a third production line and regional distribution.

  • Ramadel Enterprise

    Accra

    Car rental
    Seed
    GHc 400,000
    Active
    Self-drive and chauffeured rental fleet serving corporate and diaspora visitors in Greater Accra. Capital used to expand the fleet.

  • Traders network

    Accra · Kumasi · Ho · Tamale · Bolgatanga

    Working-capital facility
    Working capital
    GHc 400,000
    Active
    A revolving facility extended to a vetted network of individual market traders across five Ghanaian cities. Disciplined repayment cycles, low default.

  • BestDid Technology Ltd.

    Accra

    Technology
    Seed
    GHc 300,000
    Active
    Software products company building security, productivity and publishing tools for small and medium businesses. Cheque funded engineering hires and product launches.

  • Zentrovia Ltd.

    Accra

    Wholesale trade
    Pre-seed
    GHc 150,000
    Active
    A wholesale supply business serving Accra’s retail trade. Capital deployed into inventory and a small warehouse footprint.

  • Farm Pure Ltd

    Accra

    Agriculture
    Pre-seed
    GHc 150,000
    Active
    An agricultural operation based out of Accra producing for the domestic market. Cheque funded land preparation and the first commercial harvest cycle.

Cheque sizes shown are T.I’s commitment, not the round size. Some companies have raised since from other investors.

How we invest

Cedi cheques, long horizon, real help.

Our angel work is funded from the firm’s balance sheet, not a pooled fund. That means no LP timeline, no exit pressure, and no obligation to deploy on a clock.

  1. 01

    GHc 150k – GHc 600k cheques

    Pre-seed, seed, and revolving working-capital facilities for operators we know. We are not the lead investor, ever.

  2. 02

    Ghana-based, operating businesses

    Real customers, real revenue (or a 90-day path to it). We don't fund pre-product or speculative tech without a working pilot.

  3. 03

    Founders we've met in person

    Cold inbound is unlikely to convert. Most of our portfolio came through founders introduced by an existing portfolio company or a long-standing client.

  4. 04

    Useful, not just liquid

    Where it helps, we open our network for hiring, banking introductions, legal partners, and quarterly operating reviews. If a founder doesn't want that, we're not a fit.

What we look for

  • Operating businesses based and incorporated in Ghana.
  • A founder who can run the business without us in the room.
  • Honest unit economics — even if margin is thin today.
  • A small round with a co-investor we trust, or a clean bilateral cheque.
  • Some signal we can be useful beyond the cheque.

What we don’t fund

  • Pure crypto, NFTs, or speculative trading vehicles.
  • Companies whose primary revenue depends on a single government contract.
  • Pre-product startups without a working pilot.
  • Founders we haven’t met in person.
  • Anyone asking us to lead a round.

For founders

Building something real in Ghana?

A short note works better than a deck. Tell us what you’re building, who’s on the team, what your last 90 days looked like, and what you’re raising. We answer every founder, even when the answer is no.

contact@toivoo.com

Or write to the firm directly.