Liquidity follows proof.
Your track record, turned into better terms. After three scored cargoes.
The problem
Mid-sized millers reported paying 7.5 to 8.5% for working capital while the largest buyer pays close to the international rate. The difference is not the grain. It is that a bank can see how the largest buyer performs and cannot see how you do.
What Hakika Finance does
- Writes each bank's conditions down as a checklist and tests your file against it.
- Adds your performance record from the group buys.
- Puts two or more banks in competition for your facility, the way a mortgage adviser works for a borrower.
- Verifies your KPIs under a three-party agreement between you, the bank and the terminal, so the bank prices on checked facts.
What a better score earns
A step ladder, agreed with the bank in advance: a lower margin, a smaller deposit and less security as your grade improves, cargo by cargo. Your behaviour does not have to change when the bank joins; the same six KPIs that set your fee set your margin.
What Hakika is not
Hakika arranges and verifies. It does not lend, it takes no commission from the bank, and its fee is paid by you and disclosed to you.