Our Services
Structured Finance and Credit Enhancement.
Assess bankability, allocate risk and shape financing structures that meet lender and investor requirements.
For guarantee companies, lenders, SME finance platforms, development institutions and capital providers evaluating a transaction or financing vehicle.
I help teams assess repayment sources, counterparty risks, collateral and operational requirements; compare credit enhancement and risk-sharing options; and translate the financing case into decision-ready materials. Support can include first-loss coverage, leverage terms, off-balance-sheet structures, SPV governance and term-sheet issues. The objective is a structure that is commercially coherent and ready for informed lender, investor and committee discussions.
Example Outputs:
Transaction assessment memo; bankability and risk-allocation review; structure options; lender discussion deck; term-sheet issue list; committee recommendation note
Relevant experience: Dhamana transaction and guarantee advisory; Fluid Finance agri-lending SPV strategy; Umati wholesale funding structures. Legal documentation and regulated approvals remain with the appropriate specialists.
SME and embedded finance
Build lending and financial-service models grounded in customer needs, portfolio economics and practical delivery.
For fintechs, agri-finance businesses, embedded-finance platforms, marketplaces, data infrastructure firms and funders serving underserved businesses.
I help teams refine lending products, partner-led distribution and market-entry plans, linking customer demand with credit risk, repayment logic, unit economics and capital needs. Work can include alternative-data and open-finance use cases, product discovery, financial-institution partnerships and commercialization of inclusive or climate-related finance concepts where relevant to the mandate
Example Outputs:
Lending-model strategy; product and market-fit assessment; unit-economics and risk-assumptions brief; capital strategy; partner map; pilot and go-to-market plan
Relevant experience: Umati agricultural supply-chain finance; Tala operating leadership; Fluid Finance; Jia credit-market entry; Pngme product strategy; Kola Market financing readiness
Capital raising and investor readiness.
Develop a credible capital strategy and prepare the business, materials and process for investor engagement.
For founders, CEOs, boards and leadership teams preparing for debt, equity, convertible, grant or catalytic funding.
I help teams connect their business model and funding needs to the right capital providers. Support covers the financing narrative, financial case, investor targeting, pitch materials, data-room readiness, diligence responses and term-sheet discussions. Where agreed, I work alongside the team on outreach and execution. The offer is disciplined preparation and transaction support, not a promise of a funding outcome.
Example Outputs:
Capital strategy; investor-ready deck and teaser; target-funder list; outreach plan; data-room checklist; investor Q&A pack; negotiation issue list
Relevant experience: Capital mobilization as Umati co-founder; investor-readiness and fundraising support for consulting clients, including Affinity Africa, Jetstream and Fluid Finance.
Market-building and development finance
Turn development priorities and market opportunities into financing models, investment pipelines and executable initiatives
For DFIs, foundations, development organizations, public-private councils, economic development agencies and private-sector partners.
I help partners define the opportunity, design financing and governance arrangements, prepare investment or funder materials, and align the institutions needed for implementation. Work can include project preparation, results-based and catalytic finance, policy and incentive analysis, stakeholder working groups and pilot design. The aim is to connect a sound development thesis with a commercially and operationally credible path forward
Example Outputs:
Concept note; financing and governance options; sector opportunity brief; investment pipeline; project-preparation roadmap; donor/investor deck; stakeholder workplan; implementation plan.
Relevant experience: GDI financing initiatives and EDIC project preparation; Aceli Africa scale strategy; Livelihood Impact Fund pipeline and technical assistance work.