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� Large-scale ~ 3 billion commercial lives � No or Sparse Data at Account Level � Perceived High ( Credit ) Risk � Excluded from Access to Finance � Unstructured Market � Literacy & Digital Gap � No Collateral
BoP Challenges are:
� Miniaturisation & Digitisation � Data Centric & Structured Approach � Data Service & Products � Data Engines to Build Bankable Data � Data Engine to De-Risk � Data Engine to Structure Cash Flow
Finance
nC’s Solutions for BoP Challenges :
Term Sheet
& Supporting Docs.
Start-Up Manual
& Supporting Docs.
Business Inclusion
Financial Inclusion
3 Data-Products …
Commercial Loan / Debt
Commercial Share / Equity
Impact Grant
ROE-targeting
= 30%
Margin-setting = 300 bps
High Impact = Index Tracking
USD 70
USD 20
USD 10
nanoLender™ with Co-Funding Automation
USD 100 =
100 ha. 1,000
heads
50 tons per month
R 0.3M
R 5 M R 2M
“Spar“ R 16M
3rd Data-Product Structured Credit
Network
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