Private Credit

 

"Investing in Growth"

Nurture’s Private Credit division provides fast, structured and secured financing solutions to businesses operating across Africa. We specialise in short-duration credit instruments designed to support trade flows, working capital needs, and short-term liquidity gaps, while maintaining strong risk controls and capital preservation principles.
 
With deep regional experience and a pan-African footprint, we bridge the gap between capital providers and real-economy opportunities across key African markets. Our success is a function of understanding Africa’s unique landscape, utilising local market insights, credit analysis, flexible structuring and active portfolio monitoring. Nurture Private Credit's objective is to be a long-term financing partner, not just a capital provider.
 

 

Quick Facts About Private Credit

 Robust pipeline of

US$200m short-term

credit opportunities

 Proven track record

of successful deployment

Exposure to

opportunities in

30+ African countries

Client-centric approach focused on long-term partnerships

STPC

Our Financing Solutions

At our core, our financing solutions are anchored in commodities across Africa.

 

We focus on providing private credit against the production, processing, and trade of key African commodities, deploying capital into transactions backed by real economic activity. Our portfolio spans strategic mining commodities such as gold, copper, cobalt, manganese, lithium, and iron ore, as well as agricultural and horticultural commodities including grains, oilseeds, coffee, cocoa, tea, sugar, cotton, fresh produce, and floriculture. This commodity-led approach enables us to structure secured, short-duration financing aligned with Africa’s trade flows and global demand dynamics.

 

Trade Finance

 

We provide trade finance solutions that support import, export, and pre-export transactions, enabling businesses to manage cash flow and execute cross-border trade efficiently.

 

Working Capital Financing

 

Short-term funding is designed to support day-to-day operations, inventory management, and business continuity, tailored to each client’s cash flow cycle.

Bridge Lending

 

Temporary financing solutions that address short-term funding gaps, supporting transactions, projects, or refinancing events.

Invoice Discounting

 

We unlock liquidity from outstanding receivables through structured invoice discounting solutions, improving cash flow without disrupting operations.

Why Partner With Us?

We understand the complexities of operating in African markets and structure our solutions accordingly. Our clients benefit from:

 

 

Speed and flexibility in execution

 

 

 

 

Structured, secured credit solutions

 

Deep understanding of African trade and operating environments

 

Transparent terms and active relationship management

Investment Highlights

Short-Term Deployments - We focus on short-term credit linked to real trade and cash flow cycles. Capital is repaid through the sale of commodities or collection of receivables.

 

Diversified exposure across sectors and geographies - Nurture deploys capital across multiple African markets, commodities, and counterparties. This diversification helps manage risk while providing exposure to Africa’s real economy.

 

Robust credit underwriting and risk management framework - Our credit analysis incorporates counterparty analysis, transaction economics, collateral coverage, and jurisdictional considerations. Risk is actively managed robust structuring and ongoing monitoring.

 

Regular reporting and transparent governance - Investors receive periodic reporting on portfolio performance. Our governance framework emphasises transparency, clear decision-making processes, and accountability to capital providers.

 

Alignment with our investors - We seek to understand our investors’ risk appetite and return requirements, as well as your constraints and assess a fit to invest in the Nurture STPC strategy. Every deployment is modelled against the investors’ risk-return requirements.
Screenshot 2025-12-17 at 13.30.26

Investment Opportunities

Partner with us to deploy capital across Africa

 

Nurture offers investors access to professionally managed, short-term private credit opportunities across African markets. Capital is deployed into diversified, short-duration credit transactions designed to generate attractive risk-adjusted returns while prioritizing capital preservation.

 

What We Do For Our Investors

 For investors, Nurture Private Credit provides capital preservation, liquidity, and yield through generating competitive returns while minimising client exposure to market volatility. At all times we seek to connect the investor and the investment across each of the following core aspects:

 

requirementsRequirements

We seek to understand your risk appetite and return requirements, as well as your constraints and assess a fit to invest in the Nurture Private Credit strategy. Our mandate with investors will be modelled against the investors’ risk-return requirements.

assetsAsset Classes

Based on our understanding of the African markets gained from Nurture's network and physical presence on the continent, we offer exposure to short-term private lending opportunities that is in tune with economic shifts on the African continent and regulatory dynamics.

riskCredit & Risk

The experienced professionals start with a thorough due diligence, taking a deep dive into understanding all aspects of the opportunity and its sustainability to meet the return requirements. The professionals also conduct a thorough risk assessment, involving identification, monitoring and mitigation of actual and potential risks.

dealsDeals

Through existing networks and a physical presence, the team actively seeks out and contacts businesses that want flexible, customised financing options. In order to stay ahead of the game until the loan is paid back in full, the team offers hands-on monitoring from disbursement until debt is fully repaid.

What We Do For Our Borrowers

For Borrowers, Nurture Private Credit provides speed in execution, flexibility and customisation of solutions, and financing solutions to the small- and medium-sized enterprises (SMEs) or non-investment-grade borrowers underserved by traditional banks. For the Borrower, Nurture Private Credit provides:

 

Flexibility/Customisation

We take the time to learn about the unique features of each borrower and customise financing arrangements to each specific situation. This approach includes tailoring interest rates, covenants, and repayment plans. For businesses that are going through major transformation and have non-traditional business strategies and irregular cash flows, this flexibility is essential.

Speed of Execution

With a clearly defined mandate, an understanding of the investors’ risk appetite, as well as extensive experience operating in Africa, Borrowers will find speed to decision making from Nurture compared to traditional financing sources. This speed is a critical advantage, especially for time-sensitive and complex transactions which are typical on the continent.

Bespoke, Confidential Solutions

We create financing strategies tailored to your unique needs while treating your information as a strategic asset. We ensure strict confidentiality in every solution, preserving your competitive advantage and delivering reliable systems designed to support your success under all conditions. Your goals and privacy are our top priorities.

 

Access to Capital

Traditional capital adheres to established principles, however at Nurture STPC, we enjoy solving puzzles and are adept at providing funding structures to underrepresented businesses in emerging or specialist industries.

 

 

Gaborone, Botswana