ANALIGHT CREDIT SERVICES LTD

“A friend indeed ”
https://analightcredit.com
info@analightcredit.com
paulkpoet@gamil.com
 COMPANY PURPOSE

Easing access to
finance and
business
equipment for
micro and small
businesses

analightcredit.com
Corporate Finance Institute®
THE PROBLEM
 Over 75% of micro and small
businesses in Uganda fail due to
limited access to finance in time.

 They lack collateral required by lenders

 They don’t have credit history
 They employ low capital thus termed as very
risky to finance

analightcredit.com
Corporate Finance Institute®
 THE SOLUTION

 Analight Credit leverages technology to provide cash flow

based collateral free loans to small businesses in real-time

Analight Credit offers business equipment in a buy now pay

later arrangement

Affordable Gender Real time All time financial

installments inclusive processing advice

analightcredit.com
Corporate Finance Institute®
 WHY NOW?
 The UK Based research firm called Approved Index
concluded in 2015 that Uganda was the most
entrepreneurial country in the whole world having
28.1% of its population as entrepreneurs; having a
population of 45 million Ugandans as of today literally
means 12.6 of them are business owners. Uganda’s
population growth rate is 3%
 In the aftermath of Covid19 pandemic, according
to the Economic Policy Research Centre Uganda
(EPRC) report of 2021; 42% of jobs were lost,
73% of micro and small businesses have since
experienced cash flow challenges while others
closed due to lack of finance to boost them

 The National Small Business Survey of Uganda 2015

confirmed that 90% of the entrepreneurs in Uganda
are in the micro and small businesses category.
 The UBOS Census of Business Establishment 2011 also
concluded that 70% of the businesses counted were
micro while 20% were small, further confirming that
the micro and small businesses were the dominant in
Uganda’s economy.
NOW IS THE MOMENT TO CAPITALISE ON THE
DEMOGRAPHY WHILE CLOSING THE GAP IN SMALL
BUSINESSES FINANCING AND SAVING SMALL
BUSINESSES FROM COLLAPSING; THIS BULDS LIVES
AND THE NATION.

analightcredit.com
Corporate Finance Institute®
 PRODUCTS & SERVICES
1. Collateral free loans 2. Business equipment on BNPL

Between UGX100,000 & UGX2,000,000

Disbursed directly into client's mobile money
account
One to three months repayment period
Weekly repayments

Up to 24 weekly installments

analightcredit.com
Corporate Finance Institute®
 HOW IT WORKS

Shopping for business Applications for a collateral free

equipment & pay later in loan are done online or by USSD
instalments is done online & whtsapp chat bots for repeat
https://analightshop.com customers
https://analightcredit.com

We handle clients applications timely, verify them & disburse their loans/ deliver their business
equipment within time

analightcredit.com
Corporate Finance Institute®
 MARKET OPPORTUNITY

Sub-Saharan Africa

185million micro & small

East Africa businesses

Uganda
17million micro & small businesses

2.5million micro & small businesses

analightcredit.com
Corporate Finance Institute® 8
 BUSINESS MODEL

B2B LENDING MODEL

• Micro loans • Business equipment on credit

15%
Interest rate per month on
micro collateral free loans,
maximum loan period is 12
weeks.
5%
Mark-up fee per month for
business equipment sold from the
buy now pay later platform.
Maximum instalments period is
24 weeks

analightcredit.com 9
 THE COMPETITIVE LANDSCAPE
SERVICE PROVIDER OFFERING FOCUS

Nimuda Unsecured loans only Limited to small business

owners with internet &
smartphones to use the
mobile app
MTN Moksah Unsecured micro loans only Limited to only MTN
mobile money subscribers
based on transaction
volumes & frequency
Analight Credit Collateral free micro All Micro and small
loans & business business owners,
equipment on credit purely based on
daily cashflows.

analightcredit.com
Corporate Finance Institute® 10
 TRACTION

September
2020 $10,810
Founded 450+ 24 months revenue
97%
Clients on-boarded Loans collection rate

analightcredit.com
Corporate Finance Institute® 11
 THE CORE TEAM
NAME ROLE EXPERIENCE
Trained in business
management with
Paul Kasobya Founder & CEO over 8 years of
experience in
microfinance
A graduate of social
Co-founder, customer works and social
Rehema Nandawula experience &Sales administration with 7
manager years experience in
microfinance
   A software engineer
Mark Musisi  CTO with over 6 years
experience

analightcredit.com
Corporate Finance Institute® 12
 OUR ASK
We are seeking $55,000 investment for 10% equity
Potential milestones.
(UGX 200 million)
Product improvement -Product improvement
3% We intend to improve our websites,
Operational cost develop a mobile application, get USSD
19% technology and upgrade our loans
management system.

Marketing
-Operational costs
6% These include rent & furnishing for
spacious office premises, hiring and
payroll plus other overheads

-Marketing.
Working capital
72% Will include all expenses for media,
adverts, influencers and other sales
promotion campaigns

-Working Capital
This is real working capital to be
channelled to loans disbursements and
Product improvement Operational cost Marketing Working capital
business equipment financing for the
buy now pay later platform

analightcredit.com
Corporate Finance Institute® 13
Let us work together to foster financial inclusion of the
unbanked by easing their way into accessing finance for
their micro and small businesses.

https://analightcredit.com
info@analightcredit.com
paulkpoet@gamil.com
+256707556165