Every diaspora building story starts the same way. Someone trusted, money sent, and a plan that made sense on a phone call. Most of these stories end fine. Enough of them don’t that you’re right to be careful.
Here are the five checks we’d make before sending a single naira, whether you use KolaHeritage or anyone else.
1. Is the money split into stages?
If a contractor asks for the full amount before laying a block, stop. A serious builder prices the job in a full bill of quantities, then splits it into stages tied to real milestones. You should never be exposed for more than one stage at a time.
2. Can you see proof before paying again?
Ask exactly what evidence you’ll get and how often. Weekly photos. Video walkthroughs. A live video call at each stage before you release more money. If the answer is vague, that’s your answer.
3. Is there a written contract, not a WhatsApp promise?
A contract should name the total price, the stage amounts, the timeline, and what happens if either side falls short. Verbal agreements are worth exactly what they cost to make. Nothing.
4. Does the money go to a traceable business account?
Personal account requests are the biggest red flag in Nigerian construction. A registered company has a corporate account, and every payment should go there and nowhere else.
5. Who is legally allowed to act for you on ground?
If you need someone to sign or collect on your behalf, that requires a Power of Attorney limited to the specific task, properly notarised and authenticated. Anything broader hands over more control than you meant to give.
None of this is complicated. It’s just rarely offered upfront, which is exactly why we lead with it.