Short-Duration
Private Credit
Non-dilutive capital for revenue-generating African technology companies.
Nigeria • Lagos • London
01 — The Opportunity
A Structural Arbitrage
Post-Series A African technology companies generating between $1M and $10M in annual revenue are structurally excluded from institutional debt. Commercial banks require collateral they cannot provide. Development finance institutions deploy above $5M with approval cycles measured in quarters. Equity is dilutive and, at this stage, expensive.
These companies will pay a premium for short-duration capital that preserves their cap table. Credit Series I is structured to harvest that premium through a disciplined, controlled, short-tenor credit programme.
Demand is real and priced
Our target cohort accepts 9–10% per 90 days because alternatives are either unavailable or materially more expensive.
Equity preservation is the engine
At $1M–$10M revenue, dilutive bridges carry down-round risk and convertible terms that transfer long-term upside away from operators.
Short duration converts risk into optionality
90-day tenor means monthly covenant testing, rapid capital recovery, and continuous reassessment of borrower quality.
04 — Programme
Programme Terms
Credit Series I — summary terms
Programme
Investor
04 — Risk Architecture
Four Layers of Protection
Between the investor and the borrower.
Layer 01
Underwriting
12+ months verified revenue. 1.4× DSCR floor. 20–30% revenue stress test. IC-approved under 16-dimension framework.
Layer 02
Controlled Collection
Nominee custody. Paystack auto-sweep on borrower revenue. Daily monitoring with 15% variance trigger.
Layer 03
Diversification
~7 facilities across sectors and geographies. 20% single-borrower concentration cap.
Layer 04
Short Tenor
90-day facility tenors. Monthly covenant testing. Short duration limits loss-given-default.
06 — Invest
How to Invest
From invitation to monitoring.
01
Access
Invitation-only programme. Complete KYC and eligibility review before acceptance.
02
Subscribe
Complete subscription agreement. Your portal login is created upon acceptance.
03
Fund
Transfer commitment to the independent nominee trust account.
04
Monitor
Monthly portfolio updates and on-demand investor portal access.
05 — Governance
Team & Investment Committee
Tolulope Omoleye-Osindero
Founder & Managing Partner · IC Chair
Sixteen years originating, structuring and negotiating secured credit and cross-border debt across Africa and EMEA. Over $150M in aggregate transaction volume as lead counsel. Transaction experience with IFC, Lendable, First Abu Dhabi Bank, HSBC, Standard Chartered, Google, Branch International and Cellulant. Former Head of Legal and Compliance at Branch International. EMEA Project Finance Deal of the Year 2015. EMBA London Business School; MSc Law & Finance University of London.
Adedayo Odulate
Venture Partner
Olabanjo Alawode
Associate
FMVA-certified · UNITAR alumnus in Scaling Climate Finance
Governance
Unanimous IC approval required for every facility before disbursement. Additional independent member to be onboarded ahead of first deployment.
First-Close Preparation
Credit Series I is now open to qualified investors.
To request subscription documents or a structured walkthrough, complete KYC below. Our team will respond within 48 hours.
Capital at risk. Returns are targets, not guarantees. Not a deposit product. For qualified investors only.