An agricultural business plan in the financier’s format

Bankable, not merely written

Merely writing a business plan is not enough: banks reject most agricultural files for lack of technical rigour and compliance. A bankable file rests on a verified market, a sized facility, investigated risks and a costing the financier can check. No serious firm guarantees that a loan will be granted — the decision belongs to the credit committee — but it can guarantee that nothing the committee will look for is missing.

For whom

The farmer or processor applying to a bank, a microfinance institution or a public window; the project holder approaching an impact fund or a partner; the cooperative financing its collection and its warehouses; the diaspora investor who wants a presentable file from the first meeting.

How we proceed

Everything is costed in FCFA: investment, operating costs, cash flow and sensitivity across several scenarios, in an open model that financiers can check line by line — a locked model cannot be assessed. The file is then structured in the exact format of the targeted financier, and the cash plan provides a liquidity reserve sized in months of costs.

The structure combines the right instrument in the right place — debt, grant, guarantee, impact fund — without financing an infrastructure with short-term debt. The project’s assets are turned into acceptable collateral: land that can be pledged, securities that can be mobilised. Finally, trust is organised: funds are held in escrow and released against verified milestones, under a tripartite OHADA agreement.

What you receive

An open and stress-tested financial model, a business plan in the financiers’ format with its investor summary, a financing and collateral plan, a milestone-based disbursement schedule. Before committing, the free AGROBANCABLE diagnosis tells you whether your file would pass a credit committee and what blocks it: a single blocking signal makes a file non-bankable, and a good score elsewhere does not offset it.

Free submission, first reply within forty-eight working hours, quote after the official opening of the file.

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