Financing Instruments & Financing Providers

Social innovations to transform the lives and opportunities of people living in poverty.

• Innovations with the potential to scale to reach millions of people living on less than $5 PPP a day.
• Innovators must have relevant expertise and capabilities to achieve success

• Description of the innovation

To stimulate the growth of Small and Medium Agri-businesses (SMAs)

• Proven business model (and full business plan and financial operating history for larger investments)
• Strong management team
• Potential for long-term growth
• Potential positive impact on people, economies and the environment

• Full business plan and financial operating history for larger investments

Easing access to finance for African MSMEs

All African SMEs with a valid operating license

• Business registration documents
• Audited financial reports

Increasing productivity of small holder farmers

• Social enterprises that had collected solid evidence on the effectiveness of their approach,
• reached a certain scale (typically 3-10 MUSD in annual expenditures),
• built high-quality systems for financial management and impact monitoring,
• attracted highly skilled managers and built a track-record of good cooperation with all relevant stakeholders

Scaling ventures

• Ventures must focus on the acument pillars:
• Focus on the poor, game changing innovations that have potential to scale to millions of low-income customers, true effect on customers' quality of life over time.

Business plan.

financial plan.

marketing plan.

The company must be legally registered and have audited financial statements.

All legal requirements and documents must be in place.

Mobilizing investments for the agro industrialization of Uganda

• Track record: minimum one year audited financial records and positive reputation with banks, suppliers and customers
  
• Excellent management team with good entrepreneurial quality
  
• Well-researched and realistic marketing plan
• Growth trend shown in historical and forecast demand volume
  
• Competitive advantage: regionally competitive cost of production, product quality matching or exceeding regional industry standards
  
• Stable prices: increasing or stable forecast product prices

• A brief description of the business, including its organization structure and ownership
  
• Details of products, markets and distribution channels, including A business plan going forward that clearly sets out the company’s growth/expansion plans, key assumptions, major risks and financial forecast for at least five years.
  
• Copies of audited financial statements for the preceding two years including a copy of the business’s most recent management accounts and a description of the current financial position.
  
• Details of the social impact of the business.

Finance working capital and acquisition of business assets

• Authority to borrow granted by relevant Ministry in case of financing
• Hold a Current or Savings account with the Bank
• Projected cash flow statement

• Projected cash flow statement
• Valid license for the business being undertaken.
• Memorandum and Articles of Association or Partnership deed

The fund provides financing to farmer producer cooperatives in Africa, Asia and Latin America

• Active in the Food & Agriculture sector
  
• Track record in sales of agricultural products and able to demonstrate long term (export) trading relationships
  
• Financing requirement: working capital or income-generating assets.
  
• Profitable results (over the last three years), with future
  growth prospects
  
• Financially sound and able to produce audited financial statements

• Audited financial statements
• Financial forecasts
  
• Business registration documents

Financing for agricultural businesses

Prior to applying, please take a moment to verify that your business meets these qualifications. This form is also available in Spanish and French.

• Years in Operation: Minimum 3 years of business operations.
• We focus on financing for agricultural businesses, cooperatives and related enterprises.
• We do not lend directly to individual farms.
  
• Minimum Annual Revenue: $250,000
  
• Location: Must be legally established in one of Root Capital’s lending countries within Africa, Latin America, or Southeast Asia (see sidebar).
  
• Documentation: Must present audited or management-prepared financial statements from the past three years.
  
• Products & Services: Must be active in one or more of our focus industries: coffee, cocoa, honey, tree nuts, vanilla, grains, oilseeds, and other staple crops.
  
• Commercial Relationships: Must have strong relationships with established buyers and at least two professional references.
  
• Once you have submitted this form, a member of our team will contact you within one week to inform you if your business is eligible to apply for Root Capital financing, or to inquire further about your work.

Request a Loan

• Complete this form to learn whether your business is eligible:
  https://rootcapital.org/request-a-loan/ 

SME Scaling

• Business operating in a country where they have an office.
• Business needs medium term loan capital between: US$100k and US$1.5M.
• Applicant’s business is for profit
• Applicant’s business has a turnover of less than US$ 15 million and assets less than US$ 6 million.
• The business is owner-operated and/or the owner is substantially involved in running the business

• Business Plan and Projections, Financial Information, Shareholders Information, Identity Documents
• Application form is on https://grofin.com