Quick answer
The POS Stand in Yaba costs ₦500,000, making it the cheapest configured business. It normally earns ₦2,000–₦7,000 per game day after running costs, before tax, but a bad day loses ₦4,500. Buy when the purchase leaves enough cash for bills and losses; reaching the price alone is not a comfortable budget.
On this page
Compare the six businesses
| Business / area | Purchase price | Normal net / game day | Bad-day probability | Bad-day result | Resale value |
|---|---|---|---|---|---|
| POS Stand — Yaba | ₦500,000 | ₦2,000–₦7,000 | 10% | −₦4,500 | ₦300,000 |
| Buka (Mama Put) — Surulere | ₦2,500,000 | ₦7,000–₦32,000 | 10% | −₦19,500 | ₦1,500,000 |
| Barbing Salon — Ikeja | ₦6,000,000 | ₦15,000–₦70,000 | 8% | −₦42,500 | ₦3,600,000 |
| Car Wash — Lekki | ₦15,000,000 | ₦35,000–₦155,000 | 8% | −₦95,000 | ₦9,000,000 |
| Event Centre — Ikoyi | ₦60,000,000 | ₦70,000–₦570,000 | 10% | −₦320,000 | ₦36,000,000 |
| Quilox Share (5%) — Victoria Island | ₦250,000,000 | ₦350,000–₦1,850,000 | 8% | −₦1,100,000 | ₦150,000,000 |
These are configured values from the official business rules, checked on 4 October 2026. Normal net already deducts running costs. A bad-day result replaces normal income; do not subtract the normal running costs from that loss again. Taxes can reduce a positive settlement.
The Quilox purchase is labelled Quilox Share (5%). Use the income range configured for that asset; do not multiply it by 5% again.
Where to buy a business
- Open your in-game Phone → Invest.
- Find Own a business and choose the named option.
- Compare the purchase price with your available balance and upcoming bills.
- Use its buy option. Confirm the ownership message and the card's owned/sell state.
The official investment interface groups businesses with land and haulage. The area in the table identifies the business; purchase is offered through Invest, so you do not need to find and buy a separate furniture object at that venue.
If the game reports Need a cash amount, build the balance first. If it says you already own the business, that type cannot be bought again under the current rules. Different business types can be held together.
When does the money arrive?
Business settlement is checked from 6 PM on the game clock, once per game day. It is not a per-job-shift reward. Look for a business income or business-wahala notice and check Bank for the net result.
The first business purchase records the current day as the settlement day. Do not expect the first business to fund a bill due later that same day. Observe the next processed day's settlement before treating the income as part of your regular budget.
This guide does not verify offline catch-up or income for every day spent away. Do not project unattended earnings merely from a daily rate.
What normal-day revenue means
| Business | Normal gross range | Running costs on a normal day |
|---|---|---|
| POS Stand | ₦4,000–₦9,000 | ₦2,000 |
| Buka (Mama Put) | ₦25,000–₦50,000 | ₦18,000 |
| Barbing Salon | ₦55,000–₦110,000 | ₦40,000 |
| Car Wash | ₦140,000–₦260,000 | ₦105,000 |
| Event Centre | ₦500,000–₦1,000,000 | ₦430,000 |
| Quilox Share (5%) | ₦1,500,000–₦3,000,000 | ₦1,150,000 |
For a POS Stand, the low normal outcome is ₦4,000 gross − ₦2,000 costs = ₦2,000 net. The high normal outcome is ₦7,000 net. If the bad-day event occurs instead, the configured result is −₦4,500, rather than a smaller positive payout.
When several businesses settle together, the game combines their results and applies tax to a positive total. A single card's range is not a guarantee about the combined Bank payment.
Payback estimates that include bad days
The estimates below use the midpoint of the configured normal revenue range, the normal running costs and the bad-day probability:
Average daily net = (1 − bad-day probability) × (midpoint gross − running costs) − bad-day probability × bad-day loss.
Estimated payback = purchase price ÷ average daily net.
| Business | Average net / processed game day, before tax | Approximate days to recover purchase price |
|---|---|---|
| POS Stand | ₦3,600 | 139 |
| Buka (Mama Put) | ₦15,600 | 160 |
| Barbing Salon | ₦35,700 | 168 |
| Car Wash | ₦79,800 | 188 |
| Event Centre | ₦256,000 | 234 |
| Quilox Share (5%) | ₦924,000 | 271 |
These are rounded estimates in processed game days, not promised waiting periods. They assume unchanged rates, the configured random revenue distribution, enough balance to absorb the listed loss, regular settlements and no tax. Individual results vary; tax and missed settlements can lengthen recovery. Resale is excluded from this income-only calculation.
For the POS Stand, the normal midpoint is ₦4,500 net. Including its 10% chance of losing ₦4,500 reduces the average to ₦3,600, giving roughly 139 days to earn back ₦500,000 before tax. Dividing by the normal midpoint alone would give about 111 days and omit that downside.
Which business should you buy first?
The POS Stand has the lowest capital requirement and the smallest listed bad-day loss. It is a reasonable first comparison for a player who can spare its price plus a buffer. Larger businesses pay more in absolute naira, but also lock up more money and can cause much larger daily losses.
Before buying, keep separate money for:
- Upcoming rent and any LAPO payment.
- Food, travel and other planned costs.
- Business losses. One listed bad-day loss is only a starting reserve; consecutive losses remain possible.
A Nepo Baby's ₦500,000 opening balance exactly matches the POS price. Buying immediately leaves zero liquid cash and creates a new loss risk. A LAPO Baby should also protect loan repayments rather than treating the borrowed part of the wallet as an investment budget.
Use the money guide to check the broader budget. Side gigs remain useful while saving for a purchase.
Selling and getting your money back
In Invest, choose Sell on an owned business, read the confirmation amount and confirm only if the tradeoff suits you. The business stops paying once sold; verify that it leaves the owned list and the balance increases.
Resale returns 60% of the configured purchase price, not 60% of a changing market value. For the POS Stand, that is ₦300,000: selling soon after purchase loses ₦200,000 of capital before any operating profit or loss.
Buying land does not solve an urgent cash shortage either. Land earns through later resale; compare land growth and selling fees before using money you need for near-term bills.