FINANCIAL ACCESS FOR AGRIBUSINESSES IN GHANA (West Africa Food Markets (WAFM) Project Consultants) March 2018
Potential Financing for Agribusinesses in Ghana 23 out of 31 commercial banks in Ghana give out agricultural loans * ▶ ➤ Roughly GHc100,000,000 available for agricultural lending ➤ Interest rates between 22% and 37.2%. Industry average is 30.4% ➤ Short to medium-term investments (payback periods between 2 – 4 years) At least 5 major impact investment funds with over $200,000,000 available for investments ▶ in agriculture and other sectors ➤ Deal size range: $500,000 to $5,000,000 ➤ Deal types: equity, quasi-equity, revenue share, loans ➤ Long-term investment (5 – 7 year investment horizon) Source: Bank of Ghana. List does not include savings and loans institutions, or microfinance institutions (MFIs) 2 – Confidential –
Investors and Financiers’ Selection Criteria Proven product demanded by markets 1. Post-revenue businesses with good financial fundamentals 2. Knowledgeable management team 3. Potential to serve a wider market- domestic, regional, or global 4. Potential to pull in more economic actors into supply chain (important to impact investors) 5. 3
Why Growth Mosaic? We are directly accountable to you ü As opposed to volunteer or subsidized services accountable externally We help your team implement improvements to get the job done ü As opposed to leaving your team with just training or recommendations Our full-time, in-house, passionate team brings you Finance, Marketing, and Operations expertise ü We offer a multi-functional team blending foreign and local talent to generate unique insights We specialize in growth-oriented, early-stage organizations in West Africa ü Our services are tailored for scalable, impact-driven businesses based in West Africa 4
Our Success Metrics Pre-Investment Facilitation Post-Investment Management $5.4 million $6.9 million Indicates the sum of Indicates the aggregate annual budgets investment dollars accessed we have helped manage with our by our pre-investment clients. post-investment clients. Social Impact by Portfolio 4,070 50 12,800 additional local suppliers additional full-time, quality additional underserved included in our clients’ fair jobs created and sustained customers access improved supply-chains. by our clients. goods and services delivered by our clients. 5
We are a Trusted Partner 6
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