Origination
Larger tickets, without a larger risk.
Microfinance is often an SME's first counter — and often the only one that answers. We support these companies through their financing, and they reach you with a file already appraised: restated accounts, documented collateral, repayment capacity established on figures rather than on a declaration. That is what lets you serve a larger ticket without moving your risk profile. We measure our committee pass rate, file after file, and we hand it to you.
5
institutions in our first partner cohort — 3 microfinance institutions, 2 banks
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 — that is the condition for it not to come back as arrears, and one more delinquent loan is the last thing your institution needs.
The problem
Between "nothing" and an unaffordable global firm, there was no one.
Forty-four SESAME returns to file every quarter. Prudential ratios recalculated continuously. Four breaches that recur in nearly every disciplinary case — the solidarity fund, fixed-asset coverage, risk division, the liquidity ratio. And while your teams fight the returns, the real killer works in silence: internal fraud brings down more institutions than credit risk does.
8
microfinance institutions lost their licence in Cameroon in 2025
COBAC · 2025
44
SESAME regulatory returns to file every quarter
COBAC · SESAME
17,1 %
non-performing loans across microfinance in the zone
COBAC
The principle
Your institution pays nothing
On the flow — file preparation, pre-appraised referrals, post-disbursement monitoring — your institution pays nothing: the borrower pays the firm, because the borrower has the most to gain from the file being done properly. You get the benefit of the work without carrying its cost.
What is rendered to your institution itself — the prudential watch, the baseline review, the anti-fraud lockdown, training — is mandated and paid for by you: whoever receives the service pays for it. One special case: operated recovery is self-funding, its fees drawn from the amounts actually recovered.
What we operate
On your loan flow — the borrower pays
Credit file preparation
Complete, documented, verified files — to your institution's format and thresholds, not a big bank's.
Post-disbursement monitoring
The monitoring your branch network lacks the headcount to run: you know what is happening before the first late payment.
On your institution — under mandate
Outsourced prudential function
Your regulatory reporting produced, your ratios watched continuously, the alert raised before the breach — not after the letter. We produce; your statutory auditor signs.
Prudential baseline review
Every requirement sifted, a clear verdict per ratio, a prioritised list of fixes — delivered in seven business days. You know where you stand before anyone else does.
Internal fraud lockdown
Cross-checks, segregation of duties, review of sensitive operations — against what actually brings institutions down.
Operated recovery
Amicable recovery of your non-performing loans, continuously operated — and self-funding, its fees drawn from the amounts actually recovered.
Credit team training
Your loan officers assess with method — grids, warning signals, field practice — with no new hires.
The regulator does not sanction institutions that have problems. It sanctions those that discover them at the same time it does.
Islamic finance in the CEMAC zone →How we work
We start with the baseline
Seven business days after access to the records: every requirement sifted, a verdict per ratio, fixes prioritised. In black and white.
We stand guard continuously
Returns filed on time, ratios recalculated continuously, the alert raised before the breach — never after.
We stay in our lane
We produce and we alert; you run the institution; your statutory auditor certifies. Three roles, three responsibilities — never confused.
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: solidarity fund, fixed-asset coverage, risk division, liquidity ratio — the ratios that bring an institution down, and how to watch them. Addressed to a small circle of executives.
Talk to the firm →The Letter is received by invitation: we choose its readership. Write to us if you would like to discuss it.
Request the baseline review
Seven business days after access to the records, you know exactly where you stand — in black and white, before anyone else does.