Approach
Aceli’s incentives steer lending to the least served and highest impact segments of the agri-SME market.
Aceli’s growing dataset
Aceli’s approach draws upon data collected since 2018 on the economics of agri-SME lending. Aceli’s financial incentives address the elevated risks and transaction costs revealed by this data to create a market pull for lenders to serve agri-SMEs. We continue to collect data and adjust our incentives as the market becomes more competitive and efficient.
45
Lenders
60k
Agri-SME loans
$8b
Cumulative lending
Overview of our approach to unlock capital supply & expand addressable demand
Financial incentives for lenders
Aceli’s financial incentives address the high risks and low returns of serving agri-SMEs. The incentives are designed to motivate lenders to seek out and serve high-impact enterprises and include: Portfolio First-Loss Cover, Origination Incentives, and Impact Bonuses.
Capacity building for lenders
Aceli supports lenders to develop a sector-specific strategy for agriculture, adapt their financial products, and train their staff to better serve the agri-SME market. Aceli also offers advisory focused specifically on women’s economic opportunity and environmental sustainability.
Technical assistance for agri-SMEs
Aceli offers technical assistance to prepare agri-SMEs to access and manage loans. In addition, Aceli facilitates matchmaking between agri-SMEs and our lending partners.
Enabling policies
Aceli works with industry experts and governments to promote policy reforms that facilitate agri-SME lending. Aceli envisions a strong enabling environment that will nurture a more competitive financial market for the agriculture sector.
