The problem
You supply a public contract and wait 90, 120, sometimes 180 days while your costs fall due every month. You buy to resell and your cash sits in stock. You process an agricultural harvest whose season doesn't match your cash inflows. Or more simply, you live in permanent overdraft — and you already know it's the most expensive solution on the market.
The right instrument for your actual situation, negotiated with an institution that understands your cycle — instead of the default overdraft, the most expensive of them all.
Financing your operating cycle is not an admission of weakness. It's the credit that banks in the region know best how to grant — and it is often far cheaper than what your own cash flow is already costing you, silently.
Does this sound like you?
My customers pay late
Public contract, key account, contracted services: the invoice is filed, the money doesn't arrive.
→ Mobilising your receivables: discounting, factoring, advance against a contract.
My stock is asleep
You buy to resell, or process a seasonal harvest, and your cash stays trapped in stock.
→ Stock financing: warehouse receipts, third-party custody, seasonal credit.
My supplier demands cash upfront
You have to pay before you sell, and this upstream mismatch costs you cash you don't have.
→ Upstream instruments: documentary credit, standby guarantee, documentary collection.
I want to do more volume
Your business is running, but your cash position caps your growth before demand ever does.
→ General working capital: revolving line, structured overdraft, cash facility.
A nearly empty market
FCFA 800bn
in short-term financing need identified among SMEs in the region — of which only about FCFA 30bn is currently served, by a market dominated by two players.
9.03% vs 33.25%
the average bank lending rate in Cameroon, against the microcredit usury ceiling over the same period — the gap between financing your cycle well and financing it badly.
Sources: BEAC, bulletin on credit costs and conditions in the CEMAC zone, Q1 2026.
Observed disbursement horizon
On comparable files, disbursement has occurred between 7 days and 6 weeks.
What makes this timeline vary: the quality of the documents submitted at the outset, and whether your customer is already banked. A complete file on an attested public receivable moves fast; the same file without financial statements waits.
Source: Mboa Make, observation on comparable files, as of August 13, 2026.
Who this is for
You supply the State, a public body, or a key account, and you wait for payment while your costs fall due
You buy to resell and your cash sits in your stock
You process or aggregate an agricultural harvest whose cycle doesn't match your cash inflows
You live in permanent overdraft, and you already know it's the most expensive financing on the market
Your business is established — at least one full financial year, an active business account
Thirty minutes is enough to know what your cycle really costs you, and whether a better instrument exists for your situation.