Value chain activities and finance challenges. By Folusho Olaniyan (fcim) MD/CEO UTC Nigeria Plc November 2012 EMRC Agribusiness Forum

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1 Value chain activities and finance challenges By Folusho Olaniyan (fcim) MD/CEO UTC Nigeria Plc November 2012 EMRC Agribusiness Forum

2 Key messages of today s discussion Each segment in the value chain faces its own distinct challenges Financing options vary depending on the segment of the value chain The exact purpose/need for financing must be clearly identified before a decision is made 1

3 There are 4 key factors to consider when assessing opportunities for agriculture value chain finance 1 Risk assessment of the sector 2 Individual credit-worthiness of the borrower 3 Collateral required to secure a loan (credit history) 4 Cost of finance (interest rates) 2

4 Each segment in the value chain faces distinct financing challenges Segments of the value chain Raw materials development Primary raw materials processing Marketing and distribution Secondary processing of raw materials Marketing and distribution of finished products to end customer Financing challenges Demand of suppliers credit by farmers (inputs acquisition) Equipment financing for other raw materials and packaging inputs for VAP Logistics financing of finished goods to intermediate users Equipment financing for other raw materials and packaging inputs for VAP Advert and promo costs Logistics costs Credit to distributors 3

5 There are various financing options to address each challenge Finance challenges Demand of suppliers credit by farmers (inputs acquisition) Equipment financing W/capital for other raw materials and packaging inputs for VAP Logistics financing of finished goods to intermediate users Equipment financing W/capital for other raw materials and packaging inputs for VAP Advert and promo costs Logistics costs Credit to distributors Financing options Revolving credit line (collateral) Commercial property finance (credit history) Revolving credit (sponsorship) 4

6 The agricultural value chain for Cassava Bread has 6 key steps An Agricultural value chain consists of series of activities that add value to a final product, beginning with production, linking with processing, getting the final products, and marketing, sale to the end-user, and disposal after use Primary Secondary Warehouse Farm Market Consumer factory factory An assured market reduces final risk to investors SOURCE: Source 5

7 Financing options will depend on the exact need for funding (1/3) Input industry Primary production Need/purpose (including credit to customers) Fixed assets (plant, property) Inputs/land preparation Operating expenses Equipment Type of finance Asset-based finance factoring (accounts receivable), inventories, etc. Commercial property finance Short-term agricultural production loan Supplier credit (from input industry) Advance payment (from processors) system Short-term agricultural production loan Supplier credit Advance payment Warehouse receipt system Vehicle & asset finance (leasing, rental, installment sales) SOURCE: UNIDO; CBN; BOI (2010); Unleashing Agric Development in Nigeria Through value chain financing working paper Nov

8 Financing options will depend on the exact need for funding (2/3) 1 st /2 nd level processing Wholesale, retail & marketing Need/purpose (including advance payments to suppliers) Fixed assets (plant, property) Equipment (machinery, capital equipment) Fixed assets (including wholesale warehouses, transport vehicles, etc.) Type of finance Asset-based finance factoring (accounts receivable), inventories, etc. Asset finance (leasing, rental, installment sales) Commercial property finance (warehouse, factories, industrial premises) Vehicle & asset finance (leasing, rental, installment sales) Commercial property finance Vehicle and asset finance SOURCE: UNIDO; CBN; BOI (2010); Unleashing Agric Development in Nigeria Through value chain financing working paper Nov

9 Financing options will depend on the exact need for funding (3/3) Storage Trading Need/purpose Fixed assets Type of finance Asset-based finance factoring (accounts receivable), inventories, etc. Commercial property finance Transport vehicles Vehicle & asset line SOURCE: UNIDO; CBN; BOI (2010); Unleashing Agric Development in Nigeria Through value chain financing working paper Nov

10 Key messages of today s discussion-recap Each segment in the value chain faces its own distinct challenges Financing options vary depending on the segment of the value chain The exact purpose/need for financing must be clearly identified before a decision is made 9

11 Thank you for your attention today For enquiries contact: Folusho Olaniyan MD/CEO UTC Nigeria Plc

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