Assess · Finance, steps 6 to 8 of the cycle

AGROBANCABLE — would your financing file pass a credit committee?

Seventeen questions, a credibility score out of 100 and a verdict, according to the XP-NOVA bankability reference: market, technical capacity, risks and resilience, financing and cash, model robustness. Blocking signals are not compensated by the score — one is enough to make a file not bankable. Immediate result, free; nothing is verified on site.

Your value-chain profile

Industrial equipment; energy continuity, cold chain mastery and maximal HACCP requirements. Critical investment threshold for this profile: 10,000,000 FCFA.

Main investment (CAPEX, in FCFA)

Total amount of equipment, buildings and facilities. An estimate is enough.

1. Market 20 pts

Produire pour la Demande

M1 · Have your future buyers or end customers formalised their commercial commitment? (10 pts)

Yes: framework contracts or written letters of intent (LOI) from named buyers, stating the quality criteria required.Yes: trusted buyers identified, verbal agreements or historical relationships, without a formal document.No: we target a global market said to be “promising”, without named committed customers.I don't know how production will be sold nor who the end buyers are.

M2 · On what basis did you set the sales prices used in your projections? (5 pts)

Real, local, dated price surveys (less than three months old) on the target markets.Secondary statistics or average estimates provided by third parties.Hoped-for or theoretical prices to balance the income statement, without field survey.I don't know the real prices charged on our market segments.

M3 · How was import competition integrated into the analysis? (5 pts)

Quantified as delivered sales price (logistics and customs included) in our catchment area.Mentioned qualitatively as a general risk, without quantified comparison.Not analysed: we consider our local product has no equivalent.I don't know at what price competing imported products sell.

2. Technical capacity 15 pts

Alignement sur la réalité locale

C1 · What utilisation rate of nominal equipment capacity did you retain for year 1? (7 pts)

A prudent rate (50 to 65%) justified by the real availability of raw material and energy.An optimistic rate (75 to 85%) based on the manufacturer’s performance promise.100% of nominal capacity from day one.I don't know our equipment’s nominal capacity nor our utilisation rate.

C2 · Does your technical model transparently describe the transformation of the raw material? (4 pts)

Yes: balanced material balance, losses quantified at each step (rejects, shrinkage, waste).Global material balance, without isolating loss rates per process.We assume no material loss (100% yield).I don't know how to compute the material balance nor the unit’s yield.

C3 · How is the technical and commercial start-up phase planned? (4 pts)

Ramp-up (run-in, product qualification, commercial ramp) spread over at least twelve months.Short start-up (3 to 6 months) with a simplified run-in phase.Full capacity and sales from the first month.I don't know the detailed start-up schedule.

3. Risks & resilience 25 pts

Résister pour la Durée

R1 · Do you have an inventory of the risks specific to your site and value chain? (8 pts)

Yes: a site- and chain-specific risk register, each risk rated for probability, impact and stoppage factor.Yes, but a qualitative list of general risks (climate, diseases), without rating nor stoppage factor.No: our field experience is enough to cope.I don't know the real critical risks weighing on this project.

R2 · How do the identified critical risks translate into your figures? (9 pts)

Each critical risk has a direct quantified translation (CAPEX line, OPEX line or working-capital component).Coverage diluted in an undetailed “global contingency provision”.Risks are described, but no trace of their treatment cost appears in the financial statements.I don't know whether the cost of risks was integrated in the financing plan.

R3 · Have you quantified the physical continuity arrangements? (5 pts)

Yes: a separate continuity budget, quantified in FCFA (backup generator, biosecurity airlock, critical spare parts, buffer stocks).Backup equipment mentioned, but not budgeted or undersized.No backup equipment nor safety stock: we will repair day by day.I don't know whether continuity equipment is included in the investment.

R4 · Does the file include written protocols for reacting to disruptions? (3 pts)

Yes: a written business continuity plan (BCP) — emergency, fallback, restart.Informal emergency plans, nothing written for the teams.No written or planned BCP.I don't know what a business continuity plan is.

4. Financing & cash 25 pts

Adéquation et liquidité

F1 · How is the financing plan structured relative to the nature of your needs? (9 pts)

Each need is matched to a resource of compatible maturity (long term financed by long term).Part of the facilities or equipment is financed by short-term credit or overdrafts.Uses and maturities mixed in an unbalanced way: quick asphyxia possible.I don't know the maturity of the financing sought.

F2 · What safety cash is built in at start-up? (6 pts)

A reserve of at least three months of operating expenses (OPEX), available from day 1.A minimal reserve, below 1.5 months of running costs.No reserve: we depend on the first sales receipts.I don't know whether the plan includes a safety working capital.

F3 · How is the debt repayment schedule aligned with your start-up? (5 pts)

A grace period (principal and interest) covers the real ramp-up duration.A grace period exists, but too short to reach break-even.Repayments start the month after disbursement, without grace period.I don't know whether the institutions approached offer a grace period.

F4 · What is the granularity of your cash-flow forecast? (5 pts)

Monthly cash-flow plan over at least 24 months.Quarterly, or simplified annual balances.No monthly cash-flow budget.I don't know how to build a monthly cash-flow plan.

5. Model robustness 15 pts

Comportement face aux crises

S1 · Does the business plan show the impact of major failures or crises? (7 pts)

Three scenarios modelled, including a stressed one on high-stoppage-factor variables (feed price, power cuts).Two scenarios (simplistic high and low), without stress test on stoppage factors.A single linear, ideal trajectory, without variation.I don't know how to build a financial stress scenario.

S2 · Do you know the limits beyond which the project stops? (5 pts)

The breaking point (maximum price drop, maximum input increase, maximum failure rate) is identified and stated.We know the accounting break-even, not the breaking point that causes a payment default.Not addressed: we assume no critical disruption will occur.I don't know at what level of crisis the project risks going bankrupt.

S3 · In what format do you share the profitability analysis with your partners? (3 pts)

Complete, open and editable financial model (spreadsheet with visible formulas).Static, non-editable format (tables frozen in a PDF).No electronic financial model.I don't know whether our model can be edited by external analysts.

6. Land tenure dynamic rule

Are your land rights formalised?

Yes — land title, registered lease or certificate No — informal family rights or land still to acquire

Your contact details — to receive the result

Full name

Email *

Phone / WhatsApp

I agree that my answers are used to establish this diagnostic and to contact me (XP-NOVA team, internal CRM).

17 question(s) unanswered.

Three tiers: the free diagnostic (score, verdict, number of signals); the opinion note at 35,000 FCFA incl. tax (signals identified and explained, what to correct before filing, PDF within the hour); the file credibility review by an XP-NOVA expert (XPN-E3-09) at 150,000 FCFA incl. tax, note deducted — reading of your business plan and financial model, report and restitution session within 5 working days. This diagnostic precedes the Bankable file assembly (XPN-E3-05). See the Bankability pathway.

Version 2026.2 — mise à jour du 23 August 2026