For banks, funds & DFIs

Fund the real economy of African trade — with the transparency you require.

Deploy capital into diversified, risk-scored SME trade receivables across live AfCFTA corridors. Every asset is explainable, every naira and cedi reconciled daily, every corridor reported on its own performance.

Request a partner briefingHow underwriting works

Short-tenor · Diversified · Reconciled to PAPSS

1.5–3.5%
Gross financing yield per 30-day cycle
15–120d
Self-liquidating tenors
Corridor
Level performance reporting
T+0
Daily settlement reconciliation
Portfolio-transparency methodology

No black box between you and the portfolio

We built the reporting a credit committee actually needs: explainable assets, structural diversification, and reconciliation you can trust.

Explainable risk on every asset

Each receivable carries a 0–1000 score, a risk tier, and the contributing factors that produced it — cash-flow stability, counterparty concentration, seasonality and repayment behaviour. You can audit the “why”, not just the number.

Diversified by construction

Capital funds pools of short-tenor (15–120 day) receivables spread across traders, sectors and corridors — never a single-name concentration. Limits per trader start conservative and grow only with clean performance.

Reconciled to the rail

Every disbursement and collection is matched daily against PAPSS and mobile-money settlement records, with a full audit trail from origination to repayment.

Data you can model on

Corridor-level yield, delinquency, recovery and vintage curves are exportable into your own risk and treasury models — no black box between you and portfolio performance.

Risk approach

Score, tier, price — then diversify and monitor

Underwriting turns a trader's alternative data into an explainable score and risk tier. The tier sets a transparent price band, concentration rules cap single-name and single-corridor exposure, and early-warning triggers flag deterioration before it becomes loss.
  • Explainable 0–1000 scores with contributing factors on every asset.
  • Concentration limits by trader, sector and corridor.
  • Early-warning triggers and staged recovery playbooks.
Reporting

Live performance, exportable to your models

A partner dashboard shows corridor-level yield, delinquency, recovery and vintage curves, updated as facilities disburse and repay, with daily reconciliation against PAPSS and mobile-money settlement. Export the underlying data whenever you need it.
  • Corridor-level yield, delinquency and recovery.
  • Daily reconciliation against settlement rails.
  • CSV / data export for your own risk and treasury models.
Impact & opportunity

Returns and development, in the same asset

Financing intra-African trade is both a short-duration, self-liquidating asset class and a direct contribution to the AfCFTA's growth.

~50%
Of African SME trade-finance requests are rejected todayAfDB / WTO
$81B
Addressable annual trade-finance gapAfrican Development Bank
15–120d
Short, self-liquidating tenors
Daily
Reconciliation against settlement rails
Partnership flow

From first conversation to deployed capital

A clear, staged path — diligence-friendly and designed around how institutional capital is actually committed.

  1. 01

    Introductory briefing

    A working session on corridor economics, the underwriting model and current portfolio performance.

  2. 02

    Data room & due diligence

    Access to methodology, historical performance, reconciliation samples and the risk framework.

  3. 03

    Structure & terms

    We agree the funding structure, eligibility rules, concentration limits and reporting cadence.

  4. 04

    Deploy & monitor

    Capital is deployed into eligible pools; you monitor performance live and reconcile daily.

Every partnership operates under our AML/KYC programme and, where facilities are regulated products, alongside Bank of Ghana–licensed originating institutions.

Governance

The controls behind the portfolio

  • Bank of Ghana

    Partner-bank model

    Facilities originated with Bank of Ghana–licensed institutions while direct licensing is pursued.

  • KYC / AML

    FATF-aligned

    Risk-based identity verification and transaction monitoring on every trader and counterparty.

  • PAPSS

    Instant settlement

    Pan-African Payment & Settlement System — local-currency, near-instant cross-border settlement.

  • Act 843

    Data Protection

    Registered under Ghana’s Data Protection Act, 2012; data stays in-region and encrypted.

Questions

Partner FAQ

What capital partners most often ask before a first briefing.

Diversified pools of short-tenor (15–120 day), risk-scored SME trade receivables across live AfCFTA corridors — not a single-name exposure. Every asset carries an explainable risk score and full documentary trail.

Let's talk

Put capital to work in vetted African trade

Request a partner briefing and a walk-through of current corridor performance.

Request a partner briefingRead the methodology