It is of upmost importance for financial institutions ("FIs") to diversify their capital stack and investor base. Unkapt mission is to augment financial institutions on-lending capabilities by diversifying their sources of wholesale funding through private placement offer whereby allowing financial institutions in developing countries to reach a broader range of (underserved) SMEs and priority sectors.

• Simplicity: Unkapt offers a simpler, intuitive and streamlined process for FIs raising capital.
• Lowering engagement barrier: Unkapt identifies and liaises with investors of upmost relevance to FIs.
• Expertise: Our personnel are highly qualified with the necessary expertise to assist FIs.
• Credibility: The involvement of Unkapt will enhance the credibility of the FI offer.

• Type: Banks (incl. rural/thrift bank), microfinance institutions, finance companies, credit unions, cooperatives and SME credit guarantee funds
• Issuance: Debt capital (incl. senior/junior debt, ABS and bonds)
• Use of funds: Lending to SME and priority sectors (incl. women-led businesses, affordable housing, agricultural, green financing)
• Impact: Strong SDG/ESG agenda is a must.

• Issuance size: Preferably USD 10M+ for commercial banks/USD 5M+ for other issuers
• Tenor: 5 - 7 yr tenor on average
• Yield: Varies on a case by case basis; may range from estimated 3.5% to 10% per annum
• Non-performing loan ratio: Should be below or on par with the broader local market level
• Net interest margin: Should reflect the SDG/ESG agenda of the issuer

• Register online at www.unkapt.capital
• Once approved, FI completes and lodges the full application, including providing financial- related info, key personnel details, incorporation document/business license and offer materials.
• Offer is listed on Unkapt and outreach campaign is undertaken.
• On successful completion, binding agreements are entered into and funds are disbursed to FI.