Multi Trust Micro Credit Services Ltd is seeking GHS 50,000,000 in growth capital to expand its loan book, open new branches, and invest in digital infrastructure — positioning Ghana's top-performing Tier-3 MFI for the next decade.
2023 and 2024 are audited figures. 2025 is unaudited management accounts.
Post-capital raise, Multi Trust targets growing the loan book from GHS 12.7M to GHS 120M by 2030, with ROE expanding to 30%.
CAR of ~89.5% provides exceptional solvency cushion. No insolvency risk. Strong equity base of GHS 13.9M with low leverage (debt-to-equity of 0.08).
PAR >30 days improved from 43% (2023) to 22% (2025) — a significant positive trend. Post-raise target is below 6% via digital credit scoring.
85% women client base. GHAMFIN-recognised Socially Responsible Institution. Ideal alignment with ESG and impact investment mandates.
Credit bureau integration, collateral registry, group guarantees, and a dedicated recovery unit — a credible, tested risk framework.
Debt-to-equity of just 0.08 means significant additional borrowing capacity. Capital injection directly scales the loan book.
GHS 5M allocated to digital and MIS upgrades — including mobile loan applications, doorstep banking tablets, and a client banking app.
We welcome enquiries from strategic investors, private equity, and impact funds. Contact us to request the full prospectus and commence the NDA process.