Origination
Your SME production no longer depends on who walks through your door.
Supporting Cameroonian SMEs through their financing is our core trade — and that trade produces a flow. These companies reach you with a file already appraised to your criteria: accounts restated to SYSCOHADA standards, documented collateral, a cash plan that holds. You spent nothing to find them, and your committee can act on the first reading. We measure our committee pass rate, file after file, and we hand it to you.
5
institutions in our first partner cohort — 2 banks, 3 microfinance institutions
Ouverture · août 2026
3
files appraised per quarter per partner — a ceiling, not a target
Engagement de capacité
A question you are already asking: the company pays us, not you. That does not make us its advocate. A file we bring is prepared, never dressed up — our interest is that it holds after disbursement, because it is the follow-up that earns the next relationship.
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.
+14,5 %
annual growth in non-performing loan volumes in Cameroon
COBAC
< 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
On your deal flow — the company pays
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.
Reactivation of immobilised collateral
Reactivating immobilised collateral: the land you seized is worth nothing — the project it can carry is worth something.
On your portfolio and your teams — under mandate
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.
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 product structuring
A credit product designed for your target market, compliant and profitable — ready to launch.
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.
A borrower under contractual surveillance is objectively less risky than one left alone after disbursement. Our monitoring is not an ancillary service — it is a form of collateral, and no security package replaces it.
Islamic finance in the CEMAC zone →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
The Letter
The Letter — banks and microfinance institutions edition
Our analyses reserved for institutions: portfolio reading, signs of deterioration before the first missed payment, the ratios supervisors look at. Addressed to a small circle of executives. We write when we have something to say — never to keep a schedule.
Talk to the firm →The Letter is received by invitation: we choose its readership. Write to us if you would like to discuss it.
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.