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FollowingCascador与Sterling Bank联手推出2亿美元中小企业信贷风险缓释基金
Cascador与Sterling Bank共同宣布设立一项价值2亿美元的中小企业（SME）信贷风险缓释基金，旨在帮助尼日利亚的中小企业获得更大规模、期限更长的贷款。该基金将为参与放贷的金融机构提供特定水平的损失保护，设计支持的最高未偿信贷额度达10亿美元。
这一举措紧随Cascador发布的白皮书《乘数模型》（The Multiplier Model）之后。该报告指出，非洲企业难以实现规模化扩张的部分原因在于，其可获得的资本与其发展阶段及目标不匹配。根据该报告，撒哈拉以南非洲地区仅有22%的企业拥有银行贷款或信用额度，远低于全球平均水平的36%；此外，该地区的公司在融资投资时比全球同行更依赖股权融资。
解决资本错配难题
Cascador首席执行官Trish Thomas表示：“尼日利亚拥有丰富的创业人才和创新活力，但其潜力受到资本获取渠道不足的制约，现有资本无法匹配企业当前的发展阶段和战略目标。”她补充道：“通过与合作伙伴分担风险，并将社区信任转化为可信赖的放贷信号，该基金将帮助更多企业获得规模化发展所需的资源，从而创造就业机会。”
基金的运作机制
在该合作中，专注于识别、支持和投资具有规模化潜力企业的Cascador将发挥其生态系统关系网络优势，而Sterling Bank则贡献其放贷基础设施及信贷市场专业知识。该基金还将生态系统合作伙伴、放贷机构以及风险缓释资金提供方（如慈善基金会、影响力投资者和发展金融机构）整合在一个单一的风险共担架构中。
整个流程分为四个步骤：
- 提名：生态系统合作伙伴推荐符合基金债务准备标准的企业。
- 筛选：基金利用人工智能驱动的承保和尽职调查技术，根据自身的资格、担保及投资组合风险标准对企业进行筛选，并为获批借款人提供特定的风险缓释保障。
- 评估与放款：放贷机构独立评估每位借款人，审批并发放贷款。
- 管理：放贷机构负责贷款的后续服务、监控及催收工作。
初期，中小企业可获得相当于25万美元的本币贷款；随着基金完全注资，目标是解锁最高达100万美元的贷款额度。该模式旨在为企业提供更长期限的融资，并在获得放贷机构批准的前提下，减轻抵押品和担保负担。
多方协作与战略意义
Sterling Bank Group's Executive Director, Obinna Ukachukwu, said, "The strength of this partnership lies in its ability to address the risk issues associated with lending throughout the entire financing process. This structure combines a stronger pipeline of borrowers, structured evaluations, and continuous monitoring, giving us greater confidence in providing larger loans with longer terms." The fund will be operated by Riverwell Platform Holding Limited, a British-owned technology-driven infrastructure platform. Its branch in Nigeria is called Riverwell Platform Services Nigeria. The reserve capital will be held separately. The Nigerian company will be responsible for partner coordination, business readiness assessment, data collection, portfolio monitoring, and reporting. Ukachukwu will also serve as a director on the Riverwell platform. The fund’s model is based on the “Catalytic Fund” pilot program conducted over the past two years, with Cascador acting as the nominee and guarantor, and Sterling as the lender. It is managed by an independent team. Future Africa’s Founding Partner, Iyinoluwa Aboyeji, stated in a statement, “Equity must be combined with debt and long-term securities in order to provide the necessary capital for builders to build the future.” Since 2019, Cascador has supported 80 startups, raising a total of over $150 million. In 2025 alone, its alumni companies have served more than 1.7 million customers and directly employed nearly 4,000 employees. Sterling Bank focuses its lending efforts on healthcare, education, agriculture, renewable energy, and transportation sectors.
