NALDCCAM has formally presented a non-dilutive $200,000 seed loan request to the Catapult Inclusion Africa 2026 programme, structured for 24-month repayment against verified device sales and cooperative subscription revenue. The total strategic raise targets $1 million across phased milestones.
NALDCCAM has formally presented a non-dilutive $200,000 seed loan request to the Catapult Inclusion Africa 2026 programme, structured for 24-month repayment against verified device sales and cooperative subscription revenue. The total strategic raise targets $1 million across phased milestones.
This funding request represents a critical step in NALDCCAM’s growth strategy. The company has demonstrated commercial viability with Q1 2026 revenue of $333,333, but achieving the 2027 target of 100,000 farmers requires substantial investment in physical infrastructure, platform development, and market expansion. The Catapult Inclusion Africa loan is designed to bridge the gap between current operations and the scale needed for sustainable profitability.
Catapult Inclusion Africa: A Strategic Fit
Catapult Inclusion Africa is a programme designed to support early-stage companies that are working to improve financial inclusion across the continent. The programme provides non-dilutive funding, technical assistance, and access to a network of investors and partners. NALDCCAM’s focus on financial inclusion through its Agricultural Passport and credit-scoring capabilities aligns perfectly with the programme’s objectives.
The programme’s selection process is rigorous, with applicants evaluated on their potential for impact, commercial viability, and the strength of their team. NALDCCAM’s submission drew on the company’s operational experience and the validation provided by its Q1 2026 revenue and government endorsement.
The $200,000 Loan: Use of Funds
The $200,000 seed loan will be deployed across several critical areas:
IoT Sensor Deployment ($80,000) – This allocation will fund the production and installation of an additional 500 IoT sensors, expanding NALDCCAM’s coverage across the allocated 20,000 hectares. The sensors are the foundation of the platform’s data collection and intelligence generation.
AI Engine Development ($50,000) – The AI engine will be expanded to cover additional crops and agro-ecological zones. This includes training the models on new data, developing crop-specific recommendations, and improving the user interface for mobile delivery.
Marketplace Expansion ($35,000) – The marketplace platform will be enhanced to support more buyers, enable bulk transactions, and integrate with export logistics. This is critical for ensuring that increased production translates into higher farmer incomes.
Training and Capacity Building ($25,000) – Training programs for farmers, cooperative leaders, and extension agents will be scaled to support the growing user base. This includes developing training materials, conducting workshops, and building a network of trainers.
Team and Operations ($10,000) – This covers the additional staff and operational costs required to support the expanded operations.
The 24-Month Repayment Structure
The loan is structured for repayment over 24 months, with payments tied to verified device sales and cooperative subscription revenue. This structure aligns the company’s obligations with its revenue generation capacity, reducing the risk of default while providing the capital needed for growth.
The repayment terms are designed to be sustainable for a growing company. During the first 12 months, payments are interest-only, allowing the company to invest its resources in growth. During the second 12 months, principal and interest payments are made from the additional revenue generated by the expansion.
The $1 Million Strategic Raise
The $200,000 Catapult Inclusion Africa loan is the first tranche of a $1 million strategic raise. The remaining $800,000 will be raised through a combination of:
Development Finance Institutions ($400,000) – DFIs focused on agricultural development and financial inclusion provide long-term, patient capital that supports infrastructure investment.
Impact Investors ($200,000) – Investors seeking both financial returns and social impact will be attracted by NALDCCAM’s demonstrated performance and clear social mission.
Commercial Banks ($100,000) – With Q1 2026 revenue providing a track record, commercial banks may provide working capital or equipment financing.
Government Grants ($100,000) – Government programs supporting agricultural innovation and financial inclusion can provide non-repayable funding for specific activities.
Strategic Partners ($100,000) – Agribusiness partners, commodity buyers, and technology vendors may provide funding in exchange for preferred access or commercial relationships.
The Milestone-Based Approach
The $1 million strategic raise is structured around milestones that de-risk the investment and ensure that capital is deployed effectively. Each milestone is tied to specific objectives and includes performance metrics that must be achieved before subsequent tranches are released.
The key milestones include: expansion to 10,000 paying farmers, establishment of the carbon credit measurement and verification system, launch of the financial services product suite, expansion to a second country in Central Africa, and pan-African scaling partnerships with regional cooperative federations.
Conclusion: Bridging the Growth Gap
NALDCCAM’s funding request to Catapult Inclusion Africa and the broader $1 million strategic raise represent a crucial step in the company’s growth journey. The capital will enable the infrastructure investment needed to scale from 2,600 to 100,000 farmers, transforming NALDCCAM from a promising startup into a market leader in African agritech.
The non-dilutive structure of the Catapult Inclusion Africa loan ensures that existing shareholders retain their ownership while the company grows. The alignment with financial inclusion objectives means that the funding is not just capital but a validation of the company’s mission and approach. As the company achieves its milestones, it will attract further investment and partnerships, accelerating its path to pan-African scale.
