Who we fund and why: our approach to impact
Our vision is an Africa where no viable business ever fails for lack of capital. This report sets out the four groups we fund and how we track whether our credit helps them grow.
What embedded finance means for a shop owner in Lusaka
You already buy stock from the same few suppliers every week. Embedded finance puts credit inside that order, so a restock does not have to wait for last week’s sales to come in.
Five records that make a funding decision easier
Sales books, supplier receipts, mobile money statements, stock counts and a list of regular customers. Why each one helps.
Why steady working capital keeps small businesses open
A shop that never runs out of its best sellers earns more each month. How capital at the point of purchase supports revenue and sustainability.
Planning input purchases before the rains
Seed and fertiliser prices move as planting gets closer. How agro-dealers and farmers can time their orders and fund them.
Funding women who lead local markets
Many women run busy stalls and shops without the collateral a bank asks for. Why we look at how the business trades instead.
Running a side business on a salary
How teachers, nurses and office workers can grow a second income without stretching the monthly budget.
Keeping inputs moving before planting season
When agro-dealers restock on time, farmers get seed and fertiliser when they need them. The role of credit in the agri supply chain.
Working capital or equipment: which do you need?
Match the loan to the problem, so repayments line up with what the money earns.
Last-mile distributors and the towns they supply
Distributors carry goods to townships, markets and smaller towns. Funded stock keeps those routes running.