Capital Advance Plus (CAP+) is a hybrid investment instrument issued by AG Mortgage Bank Plc. It offers investors fixed annual returns of 10–15% while providing the option to convert the investment into debt or equity, allowing participation in potential long-term growth.

Investors receive a predictable annual coupon of 10–15% throughout the tenor. At the conversion period (after 3 or 5 years), investors may choose to convert their investment into equity shares, potentially benefiting from market-driven capital appreciation.

CAP+ is offered through private placement and is available to qualified investors and high-net-worth individuals seeking a balance of stable income and growth opportunities.

The conversion price ranges between ₦1.50 and ₦2.00 per share, compared to the current share price of ₦0.53. Conversion can occur after 3 or 5 years from issuance, giving investors flexibility in timing their equity participation.

CAP+ provides steady income, inflation protection, and equity upside. It allows investors to align with a high-growth mortgage institution, while also offering the opportunity to become a shareholder in AG Mortgage Bank Plc after the tenor.