The problem
Agribusiness, energy, infrastructure, commercial real estate. Conventional banks don't know how to underwrite this type of file. DFIs hold standards that few advisory firms master.
The promise
A large project structured like an international project finance file — risk allocation, cash waterfall, OHADA security interests — presented to the financiers who know how to read it.
A large project is not financed like a big loan. It is structured. That is a craft — and it is ours.
Who it's for
You are leading a large-scale investment project (> XAF 500M)
You need DFI, project finance or blended finance funding
Your project has a measurable economic or social impact
Another door to financing
The financing your bank turned down may well exist — in another form, with other financiers, under other rules. Many Cameroonian projects have exactly the profile murabaha, ijara or istisna'a require: they rest on tangible assets. This is not one more product. It is one more door.
Islamic finance in the CEMAC zone →The land on your balance sheet
Your company may carry untitled land on its balance sheet. To your bankers, that collateral does not exist: it is invisible. An enforceable land title makes it usable — and turns a dormant line into borrowing capacity.
Discover HERITAGE →It all starts with a conversation. Thirty minutes is enough to know whether we have anything to do together — and if we do not, we will say so.