MBC: The $331 Billion SME Finance Gap Solution

Africa has a $331 billion SME finance gap. 331 billion reasons why African small businesses can't access loans.

Mozambique's share: approximately $5-8 billion. Most of it in agriculture. Most of it invisible.

Traditional banks won't lend without collateral. Mozambican farmers don't have collateral — they have DUAT use rights, not freehold title. They have crops growing, not property deeds.

MBC solves this with alternative collateral:

• Satellite NDVI as proof of crop health (collateral in the ground)
• M-Pesa transaction history as proof of payment behavior
• Agent verification as proof of identity and land
• Credit scoring (300-850) as proof of repayment capacity

No bank account needed. No collateral needed. No property deed needed. Just a phone, a satellite, and MBC.

$331 billion is the problem. Visibility is the solution. MBC is the bridge.