Mandate framework for structured SME lending.

Each mandate is designed to align capital, collateral, and reporting into a ring-fenced SPC cell, protecting stakeholders throughout the facility lifecycle.

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Finance dashboard with lending metrics

Transaction purpose clarity

Asset segregation design

Compliance culture and risk alignment

Reporting and transparency

Portfolio stewardship

Stakeholder roles

Mandate detail index

Defined Use of Proceeds

Mandates document approved use cases, disbursement timing, and measurable milestones.

Facility Scope

Facility scope specifies tenor, collateral coverage, covenants, and reporting cadence.

Outcome Measures

Outcome measures include cash flow targets, operational KPIs, and covenant compliance.

Ring-Fenced Cells

Each mandate is housed in a dedicated SPC cell to segregate assets and liabilities.

Dedicated Reporting

Separate reporting ensures investors and sponsors receive mandate-specific transparency.

Segregated Collateral

Collateral schedules and security documents are maintained per mandate.

AML & CFT Controls

Enhanced checks are performed at onboarding and throughout the facility lifecycle.

Policy Adherence

Mandates align with governance policies, credit standards, and data handling protocols.

Independent Oversight

Governance committees review performance and risk indicators on a defined schedule.

Monthly Dashboards

Dashboards track performance, covenant status, and risk triggers.

Quarterly Reviews

Quarterly reviews align portfolio performance with sponsor expectations.

Event Alerts

Trigger-based alerts support rapid response to covenant or risk events.

Concentration Limits

Sector and borrower exposure thresholds protect portfolio balance.

Refinancing Pathways

Defined exit and refinance options reduce tail risk and improve recoveries.

Asset Performance Reviews

Periodic asset reviews validate collateral quality and cash flow stability.

Sponsor Alignment

Mandate sponsors provide governance visibility and support performance targets.

SSP Coordination

Support Service Providers assist with administration, reporting, and compliance.

SEF Accountability

The Senior Executive Function ensures operational accountability across mandates.

Investor Communications

Structured updates keep investors informed throughout the mandate lifecycle.

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