The problem
Risk is not born at default.
It is born the day the file arrives — badly structured, incomplete, unverifiable. Your teams patch it by hand: three rounds of back-and-forth, six weeks, an origination cost nobody measures. Then the loan is disbursed, and nobody looks again until the first missed payment. COBAC, however, is looking.
14,9 %
non-performing loans in the Cameroonian banking system
COBAC · T1 2026
< 20 %
of Cameroonian SMEs have access to formal bank financing
Banque mondiale
60-90 j
average time to process an SME credit file in a bank
Observation cabinet · 2026
The principle
Your institution pays nothing
On the vast majority of these services, your institution pays nothing. Not a preferential rate, not a discount: nothing. It is the client company — the borrower — who pays the firm, because it is the borrower who has the most to gain from the file being done properly. You get the benefit of the work without carrying its cost.
The exceptions follow a simple logic: when the service is rendered to the institution itself — portfolio diagnostics, mock asset quality review, performing-portfolio surveillance, contract templates, training — the institution mandates and pays. One special case: operated recovery is self-funding, its fees drawn from the amounts actually recovered.
What we operate
Nine levers on your portfolio
SME credit file preparation
A complete file, SYSCOHADA-compliant, structured exactly as your credit committee expects it.
Post-disbursement monitoring
The post-disbursement monitoring you lack the headcount to run: you know what is happening before the first late payment.
Early warning on arrears
Your future arrears are visible six months before the first late payment — on a still-performing portfolio.
Restructuring and NPL servicing
Restructuring and recovery of non-performing loans — from portfolio triage to continuously operated amicable recovery.
Reactivation of immobilised collateral
Reactivating immobilised collateral: the land you seized is worth nothing — the project it can carry is worth something.
Credit product structuring
A credit product designed for your target market, compliant and profitable — ready to launch.
Mock asset quality review
Sit the inspection before the inspector: your portfolio goes through exactly what COBAC will put it through.
Recovery-oriented contract templates
Recovery is decided the day you sign — OHADA security interests properly perfected, alert triggers written into the contract.
Credit team training
Your SME relationship managers assess to the standards of a major-bank analyst — with no new hires.
Opening a compliant Islamic finance window
From COBAC licensing to the first client served: authorisation file, product range, procedures, trained teams — without diverting your resources from their day job.
How we work
We align on your criteria
Your internal grids, your thresholds, your committee requirements. We do not impose our format — we produce in yours.
We prepare upstream
The file reaches you documented, quantified, verified. Your teams assess — they do not rebuild.
We stay after disbursement
Visibility does not end at signature. Monitoring, warning signals, a one-page report — you open it, you know.
Our reference frameworks
For an institution, a signature commits. The firm, its team, its working standards and its mandates are documented — due diligence runs on us too.
See the firm →Institutional questions
What institutions ask us
Technical note
Spotting an arrear six months before the first late payment
The early signals visible on a still-performing portfolio — and what a mock asset quality review reveals before COBAC does.
Discuss a mandate
A thirty-minute conversation is enough to know whether we have anything to do together. We come with questions, not with a deck.