What We Finance | Maruping Finance House

Wholesale and commodity finance

Diamond dealer facilities, global fuel trading, structured trade finance, leasing and logistics, and risk protection. Large tickets, secured on cargo, inventory and receivables.

Explore the arm

Arm two

SME and business finance

SME lending, asset-backed finance, trade and working capital, and purchase order financing for underbanked enterprises across Botswana and the region.

Explore the arm

Arm one / Wholesale and commodity finance

The trade book

We do not compete on price against a universal bank. We compete on speed of understanding, structure and willingness to take physical trade risk that is properly collateralised.

01

Diamond dealer facilities

Short cycle, high velocity

Working capital facilities to licensed Botswana precious stones dealers, typically supported by VAT exemption certification. Financed parcels are held under custodial arrangement, valued independently, and released against settlement rather than against promise.

The economics of the vertical are driven by cycle time. A dealer who can clear and re-enter within a defined window turns the same facility repeatedly, which is why tenor discipline matters more here than headline rate.

Licensed dealersVAT exemptionCustodial holdIndependent valuationShort tenor

02

Global fuel trading

Scale, duration, dollar flows

Facilities that fund purchases from refineries and term suppliers, with onward sale to vetted global counterparties under Platts linked pricing terms. Security sits across cargo, shipping documents, tank and warehouse receipts, and the receivable arising on delivery.

Underwriting is performed on the trade, not on the trader's narrative: confirmed supply, confirmed offtake, a priced spread that survives freight and finance cost, and a settlement chain that can be traced from loadport to buyer's bank.

Platts linkedCargo securityShipping documentsMarine insuranceIndependent inspection

03

Structured trade finance

Instrument level support

Documentary credit support, collateralised cargo and inventory lines, and receivables backed facilities. Used where a counterparty requires a bankable instrument rather than cash, or where the cash cycle is bridged more efficiently against an asset already in the chain.

Letters of creditInventory linesReceivables backedBridge facilities

04

Leasing and logistics support

Selective, bottleneck driven

Selected equipment, tankage and storage finance where the asset is the constraint on commodity movement. We fund the bottleneck, not the ambition. Assets financed under this line are expected to be revenue generating from the first cycle and are secured directly.

Storage and tankageHaulage assetsAsset securedUtilisation tested

05

Risk protection

Wrapped, inspected, custodied

Insurance wraps and custodial controls over financed assets. Marine cover on cargo in transit, independent inspection at load and discharge, and custody arrangements over stones and stored product. Cover is arranged at facility level and evidenced before utilisation.

Marine coverInspection protocolCustodyContractual enforceability

Arm two / SME and business finance

The enterprise book

Traditional banks underserve capable small and medium enterprises: too small for corporate desks, too complex for retail scoring. We finance them where the cash flow is real and the security is workable, and in doing so build the recurring book that carries the House toward a regional merchant bank.

06

SME lending

Cash-flow led, affordability tested

Working capital and growth facilities for established small and medium enterprises with demonstrable cash flow. Underwriting is led by the business's own receipts and affordability rather than by collateral alone, with tenor matched to the trading cycle.

Working capitalGrowth facilitiesAffordability testedCycle-matched tenor

07

Asset-backed finance

Secured on the productive asset

Finance secured directly against revenue-generating equipment, vehicles and plant. The asset both enables the business and secures the facility, which lets us serve enterprises that a cash-flow-only lender would decline.

EquipmentVehicles and plantAsset securedRevenue generating

08

Trade and working capital

Bridging the cash cycle

Short-cycle facilities that bridge the gap between paying suppliers and being paid by customers. Sized to the order book and settled from the proceeds of the trade they fund, keeping the enterprise's own capital intact.

Supplier financeReceivablesShort cycleSelf-liquidating

09

Purchase order financing

Confirmed orders, credible buyers

Capital advanced against confirmed purchase orders from creditworthy buyers, so an SME can fulfil an order it could not otherwise fund. Risk is mitigated by the standing of the buyer and the confirmation of the order, and performance opens the door to repeat business.

Confirmed ordersBuyer creditMitigated riskRepeat business

Who we serve

Underbanked, but bankable.

We focus on segments where the cash flow is genuine, the security is workable and traditional banks fall short. Each carries a different risk shape, and we structure to it.

01

Diamond-licensed businesses

Operating in a globally significant, hard-currency-linked sector within a structured and regulated ecosystem.

02

SACCOs

Savings and credit cooperatives with built-in repayment systems, community accountability and scalable partnership potential.

03

Food-retail SMEs

Daily cash-flow, essential-service businesses with lower volatility and faster loan turnover.

04

Government projects

Work tendered by the Botswana government and regional authorities: secure revenue streams, low default risk, long-term relationships.

In development

Payroll linked lending channel

High volume, smaller ticket lending with industrial grade collections. A ring fenced retail receivables portfolio, repaid by automated deduction rather than by borrower discretion.

The attraction to a funder is behavioural, not promotional. Automated collection produces materially more predictable arrears behaviour than discretionary repayment. A single institutional channel provides scale without a proportional increase in origination cost. And the resulting book is a stable, recurring receivables portfolio that can be ring fenced and, in time, refinanced.

SPV

Ring fenced structure

3 to 24

Indicative tenor, months

A dedicated special purpose vehicle or ring fenced portfolio inside the House. A formal institutional partnership setting eligibility rules, affordability checks and collection agreements. Portfolio level credit life cover, strict early settlement rules, and real time arrears dashboards available to the funder.

Pricing is expressed as a range rather than a fixed rate until the employer deduction workflow and member risk profile are confirmed. Terms must align with applicable Botswana consumer credit rules and regulatory expectations. This channel is presented as a development opportunity, not as an operating book.

Confirmation of the employer bank deduction mechanism, member eligibility base, affordability methodology, credit life provider and pricing envelope. Until those are closed, no volume or yield representation is made.

Have a transaction that fits?

Bring the trade, the counterparties and the security position. We will tell you quickly whether it is bankable and on what terms.

Submit a transaction See how we underwrite

Two arms, one house.