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WHAT WE

ANNOUNCE

WHO WE

ARE

HOW IS CREDIT AND FINANCIAL INCLUSION DIFFERENT WITH nanoCredit®?

 

 

How is Credit and Financial Inclusion Different with nanoCredit®?

 

nanoCredit® resolves the 'missing middle' challenge with a proprieatry credit technology between the small and medium enterprises and farms (SME/F) and their respective funders with: lending and de-risking engines.

 

Traditionally, credit was granted on the basis of Character, and later, Collateral.

Recently, credit on the basis of Capacity has been introduced and only partially engaged or not fully harnessed.

 

nanoCredit® has built credit techologies that exclusively focus on Capacity-based or more specifically on: debt service capacity.

This cash flow-based capacity technology enables broader service delivery through availability of affordable funding and timely decision making.

 

Funders, lenders, digital financiers, mobile money operators, development bankers or impact investors may always reserve its right to retain security.

Nevertheless, nanoCredit®’s approach focuses on achieving financial inclusion by arranging cash flow-based funding structures, as well as, measuring and auto-mentoring the SME/F into sustainable, predictable cash flow operation.

 

nanoCredit® has developed two core data-products to be used separately or combined to unlock higher quality, scalable financing, namely:

1. nanoLender™ (lending data-engine) and;

2. nanoMentor™ (de-risking data-engine).

 

nanoCredit’s lending and de-risking data-engine extracts limited un-/structured,data from any paper-based or paperless SME/F data delivers forward-looking credit risk decision from loan sizing to loan repayment or recovery – i.e the loan life cycle.

Subject to further due diligence, nanoCredit's data-engines may be used as a central banking for financial inclusion monitoring tool.

 

In sum, nanoCredit's lowers the cost and risk of SME/F loans, grants, finance, impact investing with digital, structured and cash flow-based finance.

WHAT WE

DO

OUR MISSION

DOWNLOAD

Clients-nC (2015 - Public)

Most credit technologies are premised on Character or Collateral, and consequently, limit financial inclusion. Recently, credit technologies based on Capacity were partially engaged.

 

At nC, we only build proprietary and Capacity-based credit technologies to mass-scale financial inclusion.

 

Our data-products solution for the funding barriers experienced by the small and medium enterprises and farms (SME/F) and base of the pyramid (BoP) segments.

 

We upgrade SME/Fs into bankable or fundable risks by data-enriching, structuring and (credit) de-risking borrowers.

 

nanoCredit®’s solutions are founded on three tenets:

 

1. matching - of SME/Fs traditional cash flow-based and development banking methods

2. simplicity - defined or articulated by users

3. accessibility - deeper fund penetration enabled with ICT

 

Our platform uses a narrow input dataset and scales well into and emerging market when rendered into mobile apps.

 

nanoCredit executes mandates for :

 

Paper-to-Paperless Data | Non-Interest Bearing Instruments | mAgriculture | Automated Technical Assistance | Mobile Credit Automation | Mobile Money Value Added Services | Bank Underwritten Lending Engines | Structured Mobile Money Finance | (Credit) De-Risking Engines | De-Risked Micro-Franchising | Impact Investing Engines | Smallest Precision Farming | Start-Up Community De-Risking | Credit Enhancement Engines | Structured Digital Finance | Value Chains De-Risking & Funding | Capacity Building Engine | Impact Analytics & Monitoring | Private Equity | Branchless Banking | Women & Youth Finance | Co-operative Finance | Enterprise Development | Grants & Philanthropy | Community Development | Mentor Analytics | Corporate Social Investment | Capital Protection Pricing | Digital Contracts

 

 

Please Contact Us first via LinkedIn for: More Insights or a Data Project and Data-Engine Proposal.

 

We execute Mandates in English-, French- and Portuguese-speaking countries.

 

Our website will be opened after stealth start-up.

WHAT WE HAVE

DONE

nanoLender

nanoMentor

OpenChain

DESIGN UPDATE:

Loan sizing & risk tracking engine ( nanoLender™ )

- User inputs & report buttons

4-Input User Interface ( UI ):

 

1. Select Trade

2. Size Trade

3. Locate Trade

4. Link Trade

 

 

Engine Outputs for Commercial Lender :

 

1. Term Sheet

2. Agreed Credit Curves with Tracking

3. 4-Button Loan Risk Tracking

 

 

Engine Outputs for Impact Funder :

 

1. Impact Sheet

2. Agreed Impact Index Curves with Tracking

3. 1-Button Impact Risk Tracking

 

All input datasets are upgradeable and enhanceable to bankable datasets.

DESIGN UPDATE:

Loan Readiness Engine ( nanoMentor™ )

- User Input & Report Buttons

4-Input User Interface

 

1. Select Trade

2. Size Trade

3. Locate Trade

4. Link Trade

 

Engine Outputs for SME User :

 

1. De-Risked Start-Up Manual, or;

2. De-Risked Operational Manual

 

All input datasets are upgradeable and enhanceable to bankable datasets.

DESIGN UPDATE:

Loan Readiness Engine ( nanoMentor™ ) - User Input & Report Buttons

4-Input User Interface

 

1. Select Trade

2. Size Trade

3. Locate Trade

4. Link Trade

 

Engine Outputs for SME User :

 

1. De-Risked Start-Up Manual, or;

2. De-Risked Operational Manual

 

All input datasets are upgradeable and enhanceable to bankable datasets.

CONCEPT DEVELOPMENT:

OpenChain™

SPEAKERSHIP | MOBILE 360 SERIES–AFRICA: "Lending & De-Risking Engines for the Unbanked via Mobile"

nanoCredit® Presentation:  Mobile 360 Series

SHOWCASE

East Africa Investor Forum Organised by Homestrings

View: www.homestrings.com/media/1410/investing-in-eastern-africa-programme-final.pdf

RELEASE | nanoCredit® DE-RISKING

APP-ENGINE:

nanoMentor™

The nanoMentor™ de-risking data-engine automatically issues one of the following transaction-level outputs:

 

1. De-Risked Start-Up Manual, or

2. De-Risked Operational Manual

 

which help clear the barriers to access to finance and businesses for the SME/F; SME/F capacity builders, and/or SME/F funders.

 

Only bankable data feeds or sources are used as inputs to all of our data-engines - including agro-meteo data feeds for predictive crop yield and cash flow projections.

nanoMentor™'s data-engine uses inputs from a scalable library of de-risked business models (nanoTable™) and; is configurable to include voluntary or regulatory standards, for example: Equator Principles, Principles for Responsible Investing (PRI), bureau of standards or International Organisation of Standards (ISO).

 

All input datasets are upgradeable and enhanceable to bankable datasets.

 

nanoCredit®'s Data Project commercial terms and pricing structures are SME/F-inclusive.

We would be happy to clarify.

Mandate | SMF & Rural Development Fund (USD-equivalent 100 million fund size)

Client Profile:

The SMF & Rural Development Fund belongs a Leading African and Global Bank-Insurance Group (market capitalisation USD-equivalent 16 billion) with livestock and crop farming corporate and social investment mandate in peri-urban and rural areas.

 

Scope 1:

Prove nanoLender™ in funder's environment.

Scope 2:

De-risk, data-enrich and form de-risked minimum capital for SME/F submissions with nanoMentor™.

 

Value-Add:

nanoLender™ lending data-engine issued Term Sheets for accounts with complete input datasets. Data was extracted from all (paper and paper-less) sources.

 

nanoMentor™ computed the smallest de-risked and cash-generating: installed operation, hectarage or numbers of livestock heads for a SMF.

The output document was a de-risked Start-Up Manual with cash-sustaining parameters.

 

The SMF applications had little information presented or were perceived as high-risk.

nanoMentor™ two modes were demonstrated:

1. "capital intensive" mode - for the high performance and profit-seeker

2. "job-creation" mode - for the high impact/development-seeker of maximum sustainable jobs per development Dollar.

 

The nanoMentor™ de-risking data-engine can be configured to track development impact indices from the operational level and gross-up to wider footprint or regional reporting. All input datasets are upgradeable to bankable datasets.

The merits of inter-linking or chaining individual SMFs into more competitive value chains was demonstrated. The merits of nanoMentor™ scaling into a market-organising tool was discussed and acknowledged.

 

In sum, nanoLender™ issued right-sized loans, relative to, SME/Fs cash flows and; (more prudent) under- sized loans, relative to, security- / asset- / collateral-based lending.

Mixed funding with tracking was proposed and adopted as a more efficient, penetrating and sustainable financing instrument.

 

The SMF & Rural Fund adopted all key de-risking enhancements and structured analytics proposals at the close of the Mandate.

Appointment | Commercialisation Advisor

nanoCredit® was advised by a leading Global Accounting and Consulting Firm for an optimal commercialisation path.

Speakership & Panelist | 2013 African Development Bank (AfDB) Annual General Meeting (AGM)

Boosting Africa Private Sector through Financing and Business Opportunities

 

African Development Bank - www.afdb.org

Runner-Up & Acknowledgment | Innovation Prize for Africa (IPA)

nanoCredit's nanoLender™ (lending data-engine) was acknowledged as the last 22 applicants out of 900 submissions in the all-Africa innovation prize competition.

 

Innovation Prize for Africa - www.innovationprizeforafrica.org

Mandate | National SME Development Finance Institution (USD-equivalent 300 million allocation)

Client Profile:

A peri-urban and urban women's fund was formed in 2008 by a group of dynamic business women committed to addressing market failure at the women's SME and financial inclusion levels.

 

Scope:

nanoCredit was given a small and anonymous portfolio to structure and predict performance.

 

Outputs : Term Sheets & Impact Sheets ( for Development or Impact Investors )

 

Value-Add:

Data was extracted from all (paper and paper-less) sources and nanoLender™ predicted performing accounts for non-performing accounts. Our cash flow-based lending methodologies were incorporated as a new lending norm within the Women's SME Fund.

 

The importance of a cash flow-based lending approach was well acknowledged and implemented by our Client.

 

 

All input datasets are upgradeable and enhanceable to bankable datasets.

Mandate | Women's SME Fund (USD-equivalent 7 million fund size)

Client Profile:

A peri-urban and urban women's fund was formed in 2008 by a group of dynamic business women committed to addressing market failure at the women's SME and financial inclusion levels.

 

Scope:

nanoCredit was given a small and anonymous portfolio to structure and predict performance.

 

Outputs : Term Sheets & Impact Sheets ( for Development or Impact Investors )

 

Value-Add:

Data was extracted from all (paper and paper-less) sources and nanoLender™ predicted performing accounts for non-performing accounts. Our cash flow-based lending methodologies were incorporated as a new lending norm within the Women's SME Fund.

 

The importance of a cash flow-based lending approach was well acknowledged and implemented by our Client.

 

All input datasets are upgradeable and enhanceable to bankable datasets.

First Run | nanoLender™ App-Engine with Input Dataset from Financial Diaries

Outputs : Term Sheets & Impact Sheets ( for Development or Impact Investors )

 

nanoCredit® tested the nanoLender™ lending engine with real-life best available proxy data from the South African Diaries Project datasets.

 

The South African Financial Diaries dataset was selected at the time as it linked back to one of our structuring tenets: use of actual/real cash flow-based banking methods.

 

nanoCredit®'s definition of SME/F includes business sole proprietors, individuals and retail.

 

Furthermore, this test confirmed practical insights on the need and equipped nanoCredit® with design clues on how to "data-include" the SME/F and base of pyramid segments.

 

The Financial Diaries - www.financialdiaries.com

The government and financial industry in South Africa are increasingly aware of the need to provide financial services to poor households, but a lack of understanding of the financial needs of the poor makes this task a difficult one.

 

The Financial Diaries study addresses this knowledge gap by examining financial management in rural and urban households in South Africa.

I. Diary methodology Please find a literature review and description of the survey methodology here. II. Survey Questionnaires Recruitment interview First initial questionnaire Second initial questionnaire Third initial questionnaire Financial Instrument and Change questionnaires III.

First Run | nanoLender™ App-Engine with Input Dataset from Financial Diaries

Outputs : Term Sheets & Impact Sheets ( for Development or Impact Investors )

 

nanoLender™ automatically issues the following transaction-level outputs:

 

1. De-Risked Term Sheet

2. Credit & Development Impact Risk Covenant Monitoring

 

which help clear the barriers to access to finance and businesses for the SME/F; SME/F capacity builders and; SME/F funders.

 

Only bankable data feeds or sources are used into our data-engines - including agro-meteo data feeds for predictive crop yield and cash flow projections.

nanoLender™ data-engine is configurable and scales-out to include voluntary or regulatory standards, for example: Equator Principles, Principles for Responsible Investing (PRI), bureau of standards or International Organisation of Standards (ISO).

 

nanoCredit®'s Data Project commercial terms and pricing structures are SME/F-inclusive.

We would be happy to clarify.

 

All input datasets are upgradeable and enhanceable to bankable datasets.

Establishment | nanoCredit® Technology (Pty) Ltd. ("nanoCredit®")

2008 – 2008 (less than a year) South Africa

Registration | Intellectual Property (IP) & Patent

2006 – 2008 (2 years)

 

Patent registration and other IP details are available on request.

Private Research & Innovation

1997 – 2006 (9 years)Africa

 

nanoCredit®'s Founder (Stephen Quaye) executed careful research and innovation to bridge or reconcile:

 

- traditional banking methods using cash flow-based lending, with;

- financial, technology, commercial and user profiling of SME/Fs, with;

- fit for purpose financial and information communication technologies (ICT), with;

- Agile development of proprietary software technology.

GET IN

CONTACT

OpenChain (Credit Network Diagram)

OpenChain

OpenChain (Picture)

LENDING ENGINES & STRUCTURED DIGITAL FINANCE

 

View: www.mobile360series.com/africa/#speakers

Homestring - Events

Houghton, Johannesburg, South Africa

 

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