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 an interest rate of between 8% to 14% per annum and lenient repayment terms and flexible collateral and grace period.
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.
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.
Key outputs of AP’s tailored one-on-one business training, advisory and coaching of early-stage and existing businesses are the tools for investment readiness such as Financial Model, Information Memorandum and Pitch Deck.
Information Memorandum
The primary purpose of this document is to provide all information about the company that is required by the investors and showcase the business’ overall potential. IM is basically everything about a business; it is the most effective way of providing a large volume of information about a company to investors or financial institutions. During our incubation and acceleration programs we help businesses create their own Information Memorandum through customized training and advisory sessions. You can download our template below for your use.
Financial Model
Financial model helps you to quantify your business model, assumptions, and vision to see for yourself if it is going to work out and to be able to show potential to your investors. Any investor or financier wants to have at least some information about your financial standing and forecasts and financial model is the most detailed one. AP requires businesses to submit their financial model along with the Information Memorandum to be considered for financing. During the training and advisory period our trainers and investment analysts work with businesses to make their own financial model. You can download our template below for use.
Pitch Deck
A pitch deck is the crux of your business. It is the briefest document of your business whose only purpose is to capture the attention of the investor. A pitch deck basically tells the investors why they should invest in your business. At the end of the training and
advisory period all businesses present their pitch to AP and its partner institutions and network of individual investors to be considered for financing.
