Private Credit for Business Acquisitions in Africa
Private Credit for Financing Business Acquisitions in Africa
What We Finance
- Control buyouts and majority recapitalizations
- Management buyouts and successions
- Roll-ups and bolt-on acquisitions
- Carve-outs and corporate divestitures
- Preemptive acquisitions with limited auction data
- Cash-generative businesses with verifiable margins
- Recurring revenue or contracted order books
- Strong working capital controls and audit trails
- Proven management with clean governance
- EBITDA above USD 5m preferred
Structures We Arrange
Single-tranche term debt to fund purchase price with a simple intercreditor behind any RCF. Useful where speed and certainty matter more than shaving basis points.
Contractual coupon with PIK features and covenants tailored to integration risk. Often paired with equity co-invest to right-size total leverage.
Holdco notes for speed at signing, refinanced post-close into a longer-dated stack once audited information and collateral filings are complete.
Vendor paper aligned to performance. Used to bridge valuation gaps and reduce day-one cash needs while preserving incentives for the seller.
Borrowing bases on receivables, inventory, and selected PP&E. Supports working capital and integration without stressing term covenants.
Hard-currency holds with local cash sweep mechanics, escrow waterfalls, and hedging so the debt service matches cash generation.
Where We Operate
Terms Snapshot
Ranges are indicative and subject to credit, sector, jurisdiction, and documentation quality.
Security and Control
- Share pledges at Bidco and Opco, guarantees where legal and practical
- Fixed and floating charges over assets and contracts
- Blocked accounts, waterfall escrows, and cash sweep mechanics
- Assignment of material contracts, key customer consents where feasible
- Insurance assignments and change of control approvals on close
- Intercreditor and subordination agreements that match the stack
Underwriting Requirements
- Three years of audited financials and latest management accounts
- Quality of earnings and tax diligence scopes agreed at term sheet
- Customer and supplier concentration analysis and churn metrics
- Working capital seasonality and borrowing base evidence
- Draft SPA, sources and uses, and integration plan
- Beneficial ownership KYC and sanctions screening
- Security perfection roadmap by jurisdiction
- FX policy and hedging plan for hard-currency debt service
- Compliance, licensing, and regulatory approvals where required
- Board governance and reporting cadence post-close
Our Process
Send a teaser, model, SPA outline, and audited history. We confirm feasibility and lender appetite.
Indicative structure, pricing ranges, covenants, collateral, and closing timetable.
QoE, legal, tax, and technical diligence. Intercreditor and security perfected on a clear track.
Documents executed, CPs satisfied, funds scheduled. Post-close monitoring begins immediately.
What Drives Approval
- Cash conversion and free cash flow to debt service
- Visibility on pipeline, churn, and margin durability
- Integration plan with accountable owners and monthly targets
- Clean legal structure and practical enforcement
- Realistic exit or refinance path within tenor
Frequently Asked Questions
Eight to twelve weeks from complete data. Faster if security filings and regulatory approvals are straightforward.
We expect meaningful equity at risk and a credible cash buffer. Vendor notes and earnouts can supplement but do not replace equity.
Yes. We often pair an international private credit hold with a local RCF or guarantee facility to improve liquidity and enforcement.
Consumer, healthcare, logistics, essential B2B services, power services, telecom adjacencies, and export-oriented manufacturing with hard-currency flows.
Request Acquisition Financing Terms
Share your teaser, SPA outline, audited financials, and integration plan. We will respond with structure options and a closing checklist.
Start in CLOSEFinancely Group acts as an arranger through regulated partners. All engagements are subject to KYC, AML, sanctions screening, legal and financial diligence, and credit approval by counterparties. Nothing herein is a commitment to lend or an offer of securities.
Get Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Trade Finance
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Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
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Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
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Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.