Built on 23 years of professional practice. Structured for the next generation of co-owners.
TitleShield is not a startup that hired a surveyor. It is a property professional's answer to a problem she spent two decades watching unfold.
TitleShield did not begin in a boardroom. It began in the field.
From 2003, Mary Hyeladzira Kolo — a registered member of both the Nigerian Institution of Estate Surveyors and Valuers (NIESV) and the Estate Surveyors and Valuers Registration Board of Nigeria (ESVARBON) — was deep in the day-to-day work of Abuja's property market. Valuations, title verifications, physical inspections, client consultations. Over time, she built something that cannot be manufactured quickly: a professional reputation that people trusted with their most significant financial decisions.
That foundation grew. In 2006, Maryland Real Estate Services & Facilities Management Company Ltd was registered — translating years of professional experience into a full property management practice. Mary was now not only certifying properties but managing them, seeing first-hand how co-ownership arrangements played out in practice, month after month, year after year.
What she kept seeing troubled her. Two things, always present together.
"The first was the locked door. Ordinary Nigerians who wanted to own property but could not cross the financial threshold. Not because the desire was not there. Not because the properties were not available. Simply because the entry point was too high."
The second was the broken trust. Those who did manage to pool resources and co-own property informally had little protection when things went wrong. No governance. No documentation. No independent oversight. Just people who had put real money into a shared arrangement, relying entirely on personal trust — and discovering, sometimes painfully, that trust between people is not the same as a structure that protects them.
Both problems had the same root: the absence of professional governance.
The answer took shape over years of conversation between Mary and her co-founder — an investment banker with twenty years of financial structuring experience. Fractional ownership could open the door for people who had been locked out. But fractional ownership without governance would simply recreate the same broken-trust arrangements Mary had been watching collapse for years. The door had to open into something properly built.
In 2021, Mary Kolo Consulting was formally established as an NIESV and ESVARBON-registered practice — the independent professional arm that would certify every property, bringing 20 years of earned professional trust to bear on every due diligence decision. In 2026, TitleShield Governance Platform Limited was incorporated. The complete governance framework — built from first principles, stress-tested against every known failure mode in Nigerian co-ownership — went live.
"TitleShield is built on a simple but powerful idea: you should not need to personally trust every co-owner in your SPV. The structure should protect you regardless. Twenty-three years of professional practice. One clear purpose: to make property co-ownership in Nigeria something that people can enter with confidence and exit with their trust intact."
Two decades in the making.
Mary Hyeladzira Kolo begins her real estate practice in Abuja, FCT — valuing properties, verifying titles, and serving clients across the capital's property market. The professional reputation that underpins TitleShield begins to form.
Maryland Real Estate Services & Facilities Management Company Ltd is registered. Years of professional experience become a full property management practice — giving Mary direct visibility into how co-ownership arrangements succeed and fail in the real world.
Through her day-to-day practice, Mary sees both the locked door — people who want to own property but cannot afford the entry point — and the broken trust — informal co-ownerships collapsing without governance. The concept for a governance-first fractional ownership platform begins to take shape, in collaboration with a co-founding investment banker.
Mary Kolo Consulting is formally established as an NIESV and ESVARBON-registered practice, with its principal becoming a registered Board Member of ESVARBON. The independent professional certification arm that underpins TitleShield's due diligence standard is in place.
TitleShield Governance Platform Limited is incorporated. The complete governance framework — 85+ documents, 5-pillar due diligence standard, 9-control anti-fraud architecture — is built and stress-tested against every known failure mode in Nigerian co-ownership.
TitleShield engages the SEC Nigeria Regulatory Incubation Programme under the Investments and Securities Act 2025. Platform development advances. The first property pipeline is assembled across Abuja, Lagos, and Port Harcourt.
TitleShield goes live. The first MKC-certified deals are listed for co-owner subscription. Nigeria's co-ownership market finally has the governance infrastructure it has always needed.
Two professionals. One mission.
TitleShield was founded by a property professional and a finance professional who saw the same problem from different angles — one from inside the market, one from inside the capital.
Mary Hyeladzira Kolo
Mary is the principal of Mary Kolo Consulting and Maryland Real Estate Services & Facilities Management Company Ltd. With over 20 years in the Abuja property market and professional registration with both NIESV and ESVARBON, she brings the independent certification authority that no competitor can replicate. Every Due Diligence Certificate on TitleShield is issued by MKC under her professional registration — non-delegable, every property, every time.
[Co-Founder Name]
[Co-founder bio to be confirmed. Investment banking background with 20+ years of financial structuring experience across capital markets and structured finance. Brings the institutional financial rigour to TitleShield's governance architecture.] PLACEHOLDER: co-founder name and full bio to be added before public launch.
Three companies. One governance standard.
TitleShield's structure separates governance, due diligence, and property management into independent entities — each with its own professional standing and accountability.
Governance technology, SPV oversight, document management, compliance monitoring, and investor protection infrastructure. Does not hold investor funds. Does not manage properties. The referee — not the player.
Independent NIESV and ESVARBON-registered practice. Conducts all property due diligence, valuations, inspections, and milestone verifications. Operates independently from TitleShield and Maryland — professional independence is the foundation of its credibility.
Property management firm established 2006. Manages co-owned properties under TitleShield governance standards where appointed by SPV member vote. All affiliations are disclosed to investors before any appointment.
"To make fractional property co-ownership in Nigeria safe, structured, and genuinely investor-protective — through professional credentials, contractual obligations, and technology that monitors what humans miss."
What TitleShield is not
Clarity about what we are not is as important as what we are.
"We are the governance layer — the referee, not the player."
Ready to see what structured co-ownership looks like?
hello@titleshield.ng | Abuja, FCT, Nigeria