{"id":3444,"date":"2012-04-18T07:32:42","date_gmt":"2012-04-18T12:32:42","guid":{"rendered":"https:\/\/www.insta-pro.com\/?p=145"},"modified":"2023-06-13T12:40:08","modified_gmt":"2023-06-13T17:40:08","slug":"sme-financing-in-africa-not-for-the-faint-hearted","status":"publish","type":"post","link":"https:\/\/instapro.spinuhost.com\/en\/blog\/businessstrategyandfinance\/sme-financing-in-africa-not-for-the-faint-hearted\/","title":{"rendered":"SME Financing in Africa &#8211; Not for the Faint-Hearted!"},"content":{"rendered":"<p>I&#8217;m a dairy farmer in Africa, and I need $5,000 to buy some cows &#8211; no problem! There are scores of micro-finance institutions ready to assist and lend me the money.<\/p>\n<p>I&#8217;m a large corporation in Africa, and I need $10 million to build a new fruit juice factory &#8211; no problem! Commercial banks, multilateral agencies and international development banks will be jostling each other to structure long-term loans for my project.<\/p>\n<p>But I&#8217;m a small or medium-sized enterprise (SME), probably family-owned, and I need $100,000 to $500,000 to buy equipment to process locally-grown cereals and oilseeds for food and feed. No way! Go away! There is no place for me on Africa&#8217;s planet finance.<\/p>\n<p>And if I&#8217;m a start-up company, don&#8217;t even ask. I&#8217;m a pariah. I should not have dared to start a company!<\/p>\n<p>This is a caricature &#8211; only too true I&#8217;m afraid &#8211; of the state of project financing in Africa today.<\/p>\n<p>While the grey suits meet in 5 star hotels and make noble pronouncements over cocktails by the poolside about helping and building the agri-processing industry, the reality of small-scale food and feed processors is quite different.<\/p>\n<p>In Kenya, interest rates are in the 24-28% range, and commercial banks require collateral between 110-150%. No, that&#8217;s not a typo. It means if I want to borrow $100,000, I need to deposit up to $150,000 in account at the lending bank, or property titles or other securities worth that amount.<\/p>\n<p>In Ethiopia, from where I am writing today, the situation is better. The Agricultural Development Bank will finance on a 70:30 ratio, meaning the investor needs to put up 30% and ADB will loan 70%, at around 8% interest. The equipment purchased becomes the collateral. This can be good news for existing companies with a sound track record, but may not work for start-ups.<\/p>\n<p>The commercial banks in Ethiopia need to support the agri-processing industry. After all, Ethiopia&#8217;s wealth is its people, its fertile land and ample water supply. Ethiopia should be on its way to becoming one of Africa&#8217;s bread baskets. But a recent survey, <em>Banking Sector Review 2011, by <a href=\"http:\/\/www.accesscapitalsc.com\">Access Capital<\/a><\/em>, an investment company, shows that loans to agriculture constitute on average 1.4% of the total loan book, and loans to the manufacturing sector average only 12% of the total.<\/p>\n<p>There&#8217;s clearly a need for some fresh thinking on access to financing. Everyone knows we need to produce more food, but there&#8217;s a bottleneck emerging if we use better seed, fertilizers, and boost crop yields, but lack the agro-industries to process these crops into nutritious food and feed. Post-harvest losses, already estimated to be around 30%, will increase &#8211; more wasted food.<\/p>\n<p>Let me know your ideas for solutions&#8230;please!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>I&#8217;m a dairy farmer in Africa, and I need $5,000 to buy some cows &#8211; no problem! There are scores of micro-finance institutions ready to assist and lend me the money. I&#8217;m a large corporation in Africa, and I need $10 million to build a new fruit juice factory &#8211; no problem! Commercial banks, multilateral [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":10897,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[31],"tags":[8979,67],"class_list":["post-3444","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-businessstrategyandfinance","tag-african-business","tag-food-and-feed-processors"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SME Financing in Africa - Not for the Faint-Hearted<\/title>\n<meta name=\"description\" content=\"Feed manufacturers in Africa, like dairy farmers and large corporations, don&#039;t face the financial hardships in the feed industry that start-up companies do.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/instapro.spinuhost.com\/en\/blog\/businessstrategyandfinance\/sme-financing-in-africa-not-for-the-faint-hearted\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SME Financing in Africa - Not for the Faint-Hearted!\" \/>\n<meta property=\"og:description\" content=\"Feed manufacturers in Africa, like dairy farmers and large corporations, don&#039;t face the financial hardships in the feed industry that start-up companies do.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/instapro.spinuhost.com\/en\/blog\/businessstrategyandfinance\/sme-financing-in-africa-not-for-the-faint-hearted\/\" \/>\n<meta property=\"og:site_name\" content=\"Insta-Pro\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/instaprointernational\/\" \/>\n<meta property=\"article:published_time\" content=\"2012-04-18T12:32:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-13T17:40:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.insta-pro.com\/wp-content\/uploads\/2016\/08\/alternatives-to-the-bank-loan.png\" \/>\n\t<meta property=\"og:image:width\" content=\"920\" \/>\n\t<meta property=\"og:image:height\" content=\"320\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Michael Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@InstaProInt\" \/>\n<meta name=\"twitter:site\" content=\"@InstaProInt\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/instapro.spinuhost.com\\\/en\\\/blog\\\/businessstrategyandfinance\\\/sme-financing-in-africa-not-for-the-faint-hearted\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/instapro.spinuhost.com\\\/en\\\/blog\\\/businessstrategyandfinance\\\/sme-financing-in-africa-not-for-the-faint-hearted\\\/\"},\"author\":{\"name\":\"Michael Martin\",\"@id\":\"https:\\\/\\\/insta-pro.spinudev.com\\\/en\\\/#\\\/schema\\\/person\\\/4f97c848f916ba5c0839276d75a7ede5\"},\"headline\":\"SME Financing in Africa &#8211; 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