We Disclose Risks
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Investing in Mozambican agriculture carries real risks. We believe investors deserve to know every one of them — and exactly how we mitigate each. This is the transparency standard institutional capital demands.
Every Risk, Every Mitigation
Click each risk to see our honest assessment and mitigation strategy.
The Risk
The Mozambican Metical (MZN) has depreciated approximately 40% against the US Dollar since 2023. When farmers repay in MZN, the USD value of repayments may be lower than expected.
How We Mitigate It
All investments are structured in USD. We disburse in MZN at the prevailing rate (currently 63.5 MZN/USD) and convert repayments back to USD at the same rate, absorbing short-term FX fluctuations within our 9% margin. For larger fluctuations, our loan loss reserve fund provides a buffer. Investors receive returns denominated in USD regardless of MZN movement.
What We Don\'t Promise
We do not guarantee returns. Expected IRR of 12-18% is a target, not a promise.
We do not guarantee zero defaults. Some farmers will fail to repay — that\'s why we maintain a 15% reserve fund.
We do not guarantee currency stability. MZN may depreciate further against USD.
We do not guarantee immunity to climate events. Cyclones and droughts will affect some farms.
What we do guarantee: Full transparency on fees, risks, and performance. If we lose money, we tell you. If a farmer defaults, we show you. If MZN depreciates, we disclose it. That\'s the standard institutional investors deserve.
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