Spread across the fleet.
Lower exposure to any single driver. Returns blended across the fleet.
Pros
- Lower idiosyncratic risk
- Simpler reporting
- Faster to deploy
Trade-offs
- Returns are blended
- Less narrative ("which car is mine?")
For investors
Fund a fleet you can see.
Obrempong-Aseda Management Services Ltd is the asset manager. Your capital funds the vehicles, drivers pay it back over 190 weeks, you get a share of net receipts. Live statements. Append-only ledger you can audit any time.
Choose pooled exposure across the whole fleet, or dedicated funding of a specific vehicle. Weekly payouts, statements emailed automatically.
- Allocations
- Pooled + dedicated
- Statements
- Live
- Audit
- Append-only
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Register interest
Three minutes. We follow up within 2 working days.
How it works
From your wallet
From your wallet
to the road, then back.
Every step is recorded. You can audit any one of these stages from your investor portal.
- 01Capital contribution
Commit capital and we record it against your investor profile. Channel and reference logged.
- 02Allocation
Pool across the fleet, or dedicate to specific vehicles. Both first-class.
- 03Vehicle deployment
OAMS sources, registers, insures and assigns the vehicle to a vetted driver under contract.
- 04Driver pays weekly
Driver pays GHS 1,000 every week. Each payment posts to an append-only ledger.
- 05Receipts and expenses tracked
Every receipt is matched to your allocation. Vehicle-specific expenses charged against that vehicle.
- 06Statement on demand
Capital, allocations, gross receipts, expenses, net entitlement — all live, downloadable.
- 07Manual payouts
When OAMS pays you out, channel and reference are logged. SMS and email confirmation immediately.
Allocation models
Pooled, dedicated, or both.
Mix them. Both are first-class — the system tracks them with equal rigour.
Fund specific vehicles.
Your capital is linked to named vehicles. Direct line of sight from money to road.
Pros
- Clear story
- Higher upside if a vehicle outperforms
- Direct attribution
Trade-offs
- Concentration risk
- Slightly slower onboarding
Example positions
What a position looks like.
Indicative scenarios, based on the standard 190-week lease at GHS 1,000/week.
Dedicated · 1 vehicle
GHS 200,460
Fund a single car. Driver's 190 weekly payments accrue to your allocation.
Dedicated · 3 vehicles
GHS 600,000
Fund three vehicles, named in the system. Diversifies driver risk.
Pooled · cross-fleet
GHS 100,000
Capital added to the pool. Small share in many vehicles; income blended.
Want a sample statement and allocation options?
Register interest — we'll follow up within 2 working days.
Transparency
You should be able to audit us.
Trust is the asset class. Here's how we build it.
✓
Append-only ledger
Every payment, every late fee, every reversal is a row that cannot be deleted.
✓
Live dashboard
A read-only investor portal showing capital in, allocations and balance owed.
✓
Downloadable statements
PDF and Excel statement for any date range. Reconciles to the cedi.
✓
Audit log
Every state change recorded with actor, IP and timestamp. Filterable.
✓
Manual payout records
Channel, reference and date logged. SMS + email confirmation.
✓
Daily reconciliation
Paystack settlements reconciled against the ledger every night.
Be informed
Risks to weigh up.
No investment is risk-free. The main ones, surfaced.
- Driver default
A driver may stop paying. Vehicle may be repossessed; costs reduce net receipts. We screen drivers and require two guarantors, but defaults still happen.
- Vehicle wear and depreciation
Insurance covers most claims, but accidents and major repairs can affect a vehicle's value.
- Time to ownership
A standard lease runs 190 weeks (~3.7 years). Your capital is committed for that duration; payouts are interim distributions.
- Regulatory changes
DVLA, insurance and tax regimes can change. We monitor these but cannot guarantee against future shifts.
- Operational risk
OAMS is a single-tenant operation. Continuity is the responsibility of the asset manager and team.
This page is informational only and does not constitute investment advice. Decisions are subject to a separate funding agreement.
Investor questions.
If yours isn't here, ask on the call.
What's the minimum? +
No fixed minimum. A single dedicated allocation typically funds at least one vehicle (≈ GHS 80,000–120,000). Pooled allocations can be smaller.
How are profits calculated? +
Net = gross receipts − vehicle expenses − a prorated share of pooled overhead. Your entitlement is the net × your profit-share % (basis points) on each vehicle.
When do I get paid out? +
Payouts are manually scheduled by OAMS, typically quarterly or on request. The portal shows your current balance owed; payouts are recorded against it.
Can I exit early? +
Early exit requires negotiation. We may transfer your allocation to another investor, or refund a portion subject to the vehicle's status.
What if a vehicle is repossessed? +
Repossession costs are deducted from gross receipts. The vehicle may be re-leased, sold, or written off. Dedicated allocations absorb the impact directly; pooled are diluted.
Are payouts taxed? +
Tax treatment is your responsibility. We don't withhold; we provide a clean statement of receipts so you can file accurately.
Open to new investors
Ready to allocate?
Let's talk.
A member of the OAMS team will follow up with allocation options, sample statements, and the funding agreement.
Already an investor? Investor sign-in →
Register interest
~3 minutes. We follow up within 2 working days.