Financing Services
Financing Services
One of the major challenges startups and small and growing businesses face is having limited access to financing mainly due to their lack of business documentation and investment readiness. AP focuses on enabling businesses to scale and raise investment with the help of its catalytic financing and technical assistance.
AP provides patient-debt financing and tailored structure as per business need. Specifically, AP provides subsidized loans with a below-market interest rate and lenient repayment terms and flexible collateral and grace period.
Financing Services
One of the major challenges startups and small and growing businesses face is having limited access to financing mainly due to their lack of business documentation and investment readiness. AP focuses on enabling businesses to scale and raise investment with the help of its catalytic financing and technical assistance.
AP provides patient-debt financing and tailored structure as per business need. Specifically, AP provides subsidized loans with an interest rate of between 8% to 14% per annum and lenient repayment terms and flexible collateral and grace period.
INVESTING IN LONG-TERM GROWTH AND SUSTAINABILITY:
SUBSIDIZED LOANS FOR ENTREPRENEURS
Small and Growing Businesses (SGBs)
SGBs are unable to lend at commercial rates due to their inflexible terms and conditions involving repayment, and collateral requirements among others.
Patient-Debt Financing
Patient-debt financing can help businesses witness high growth as owners are in a better position to re-invest their earnings into their operations
WHAT IS PATIENT DEBT FINANCING?
FLEXIBILITY
In terms of covenants.
LOW INTEREST RATES
Lesser than the prevailing rates applied on small and medium enterprise (SME) loans.
GRACE PERIOD
Acts as a “breathing room” for startups, can be 1 to 3 years based on the business model.
ADVANTAGES
Allows flexibility as the debt can be structured to meet specific financing needs
Designed to provide startups and SGBs with capital that may not be available through other means to create self- sustaining enterprises
The borrower retains ownership and control of the business or assets.
