East African Trade Finance Facility – Agricultural Commodity Financing

Requirement

A specialized trade finance facility provides $12 million in commodity-backed lending to East African agricultural exporters. The facility finances pre-export inventory and receivables for coffee, tea, and horticultural products. Facility structure includes 90-120 day tenors aligned with commodity cycles, pricing of 12-15% annually depending on risk profile, collateral including warehouse receipts, export contracts, and credit insurance, and minimum facility size of $250,000 per borrower. We seek institutional lenders, impact investors, and development finance institutions. The facility operator has 12-year track record in African commodity finance with zero principal losses and 98% recovery on rare defaults. Agricultural trade finance is critically underserved across Africa, with formal financing meeting less than 20% of demand. Commodity-backed security and export receivable cash flows de-risk lending while enabling farmer access to working capital. Facility terms include senior secured debt with 18-month average duration, quarterly interest payments, and principal amortization aligned with seasonal cycles. USD-denominated with hedging options.