Products

The principle

Finance should recognise potential, not diminish the person asking for it.

Seeking capital can mean repeated visits, unclear decisions, complicated requirements and the fear of being judged. For many capable people, the process itself becomes another obstacle.

We believe a person's dignity should not depend on their financial position, the size of their business or the outcome of an application. Respect belongs at every stage — including when an application cannot be approved.

Asking for a chance should never require surrendering your self-respect.

How the model works

Not a one-way donation. A continuing cycle of opportunity.

The foundation brings contributions together, finances approved businesses and receives repayments. Recovered principal is returned to the common pool rather than being tied to one contributor or one business.

01

Contribute

People contribute to a common pool. Contributions are not assigned as personal gifts to specific applicants.

02

Evaluate and finance

The foundation reviews the business, its capability, viability and potential to generate revenue and employment.

03

Repay

The financed business repays the foundation according to the agreed financing terms.

04

Recycle

Recovered principal returns to the pool and may be used to finance another approved business.

What happens to a contributor's money?

The contribution becomes part of the shared pool. It is not a loan to the foundation, is not an investment and is not refundable to the contributor.

Who repays the financing?

The business receiving financing repays the foundation. The contributor does not collect repayments or receive ownership in the financed business.

The financing framework

Clear terms. Understood before an agreement is made.

The proposed model is designed to give businesses room to establish themselves while making the cost and obligations of financing clear from the beginning.

Proposed framework · Subject to final agreements

0%

Stated interest on the financing principal.

No equity

No ownership stake in the business is demanded.

6 months

Proposed initial grace period before the first EMI.

5 allowances

Proposed EMI-bounce grace allowances, subject to final policy.

Profit participation: The proposed model also includes a 2% quarterly profit participation from the financed business. This is separate from repayment of principal and is an additional economic obligation, not a donation. Receipts are intended to cover legitimate, documented foundation operating costs first; any remaining amount is intended for the future financing pool. Definitions, calculations and reporting rules must be set out in the final agreement.

Accountability

Trust should be supported by records, not promises.

People who contribute should be able to understand what happens after they give. We intend to publish an Impact Ledger that follows the movement of funds and the progress they help support.

01

Contributions received and reconciled.

02

Funds allocated and financing actually disbursed.

03

Principal repayments received and returned to the pool.

04

Profit participation received and operating costs recorded.

05

Business progress and outcomes that can be verified.

Financial reporting should distinguish actual transactions from plans and projections. Personal and commercially sensitive information will be protected; accountability does not require exposing someone's private circumstances.

Capital should never cost someone their dignity.