Diamond dealer facilities
Working capital for licensed Botswana precious stones dealers, typically supported by VAT exemption certification, with custodial holds over financed parcels.
Gaborone / Your Financial Cosmos
Maruping Finance House is a Botswana based finance house on the path to a regional merchant bank. We finance globally traded commodities and the underbanked enterprises banks overlook, on terms that keep the borrower's capital working and protect the lender's downside.
01 / The House
Businesses fail for want of working capital far more often than for want of a customer. Cargo sits, orders go unfilled, and capable enterprises are priced out of markets they are otherwise qualified to serve.
Maruping Finance House exists to close that gap on two fronts. Our wholesale arm finances the purchase, movement and resale of globally traded commodities, beginning with diamonds and refined petroleum products. Our SME arm provides lending, asset-backed finance and working capital to underbanked enterprises, from diamond-licensed businesses and cooperatives to food retailers and government-backed projects.
We do not run a universal balance sheet. We finance where the cash flow is genuine and the security is workable, and we build the disciplined, recurring book that carries the House toward a regional merchant bank.
Read our mandate02 / Capability
Whether the ticket is a diamond parcel or a small enterprise's order book, every facility is written to the same standard: workable security, controlled utilisation, documented flow and a repayment source identified before drawdown.
Working capital for licensed Botswana precious stones dealers, typically supported by VAT exemption certification, with custodial holds over financed parcels.
Facilities funding refinery and term supplier purchases with onward sale to vetted counterparties, priced on Platts linked terms and secured on cargo and receivables.
Documentary credit support, collateralised cargo and inventory lines, and receivables backed facilities across the trade cycle.
Cash-flow led working capital and growth facilities for established small and medium enterprises that traditional banks underserve.
Short-cycle facilities that bridge the gap between paying suppliers and being paid, sized to the order book and self-liquidating.
Capital advanced against confirmed orders from credible buyers, so an SME can fulfil business it could not otherwise fund.
03 / The Structure
Conventional lending strips a borrower's working capital at exactly the moment scale becomes possible. Our facilities are structured so repayment is carved from the economics of the financed activity. The borrower's principal remains intact and continues to work.
Two consequences follow, and both favour the lender. Default risk falls, because repayment is tied to a transaction we have secured and monitored rather than to a balance sheet we do not control. And facility utilisation compounds, because a borrower whose capital survives the first cycle can carry a larger book in the second.
04 / Why Botswana
A long record of orderly governance, an independent judiciary and a convertible currency regime. The legal environment supports enforceable security, which is the precondition for wholesale lending.
Licensing, valuation, cutting and polishing capacity already exist domestically. Our role is to finance the licensed participants inside that system, not to build a market from nothing.
Refined product trade settles in USD against global demand. Pairing it with short cycle diamond facilities blends scale and duration with velocity and margin.
Our differentiation is simple and commercially ruthless: preserve the borrower's trading capital and take repayment from the trade economics.
05 / Governance
Credit approval is only the beginning. Utilisation, custody, inspection and collection are governed transaction by transaction.
Our approach in fullLicence verification, beneficial ownership, sanctions and KYC screening, and trade record review before any indicative term sheet is issued.
Custodial holds, pledged receivables, tank and warehouse receipts, marine insurance and inspection protocols documented before first drawdown.
Funds released against a defined transaction with an identified offtaker, not into a general facility account.
Proceeds routed through controlled accounts, with position and arrears reporting to the funding partner on an agreed cycle.
Investor Relations
Portfolio construction, target economics, security architecture and the transaction pipeline are set out in the confidential information memorandum, released to qualified counterparties under non disclosure agreement.
