Investing in Entrepreneurs

INTENTUM is industry agnostic. In addition to the criteria below, we look for
businesses that can positively impact their value chain. Job creation and links to
smallholders is key.
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We will focus in on some specific and relevant industries as we discover both the needs
on the ground, and opportunities to transfer needed Nordic expertise and resources.

1. Character
Passion, integrity, honesty, transparency, balance with work, family, church etc
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2. Employment
A stable team, good treatment of employees, strong opportunity for new hires
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3. Kingdom Impact
Your business helps builds God’s Kingdom / brings the good news to others in
some way
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4. Growth Plan
A documented credible growth plan with sales, costs etc for the next 18-36 months
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5. Market Potential
Your business can grow organically and significantly within your target market
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6. Sales Traction
Your service/product delivers customer value and has a demonstrated sales
record
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7. Stability
You are on a consistent trajectory with more of the same to come
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8. Financials
Business tracking with standard reports, good cash flow, plus an understanding of the
numbers
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9. Business
Solid knowledge of the market, business, technology with full-time commitment to the
business
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10. Competition
You are not the only one in your space, but you are better with a sustainable
advantage

INTENTUM’s investment decision is based less on ticket size but the stage of the
growth the business is in, and the opportunity to be co-entrepreneurs.
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Ticket size will generally range between USD50-200k.
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INTENTUM aims to serve the lower end of the missing middle – under-served
businesses that have outgrown microfinance, but are too small to be served by
commercial banks.

Revenue-based financing (RBF)
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INTENTUM takes a percentage share of the company’s revenue until an agreed sum
has been repaid. This agreed sum is based on a multiple that ranges between
3-5 times of the invested amount.
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The multiple of the loan, the percentage of revenue to be paid, and the tenure is decided together with the entrepreneur based on the growth trajectory forecast from the investment.

How to apply and pitch my business to INTENTUM?
INTENTUM together with our partners Christian Business Angels and Sinapis host
3-4 pitch events per year. Look out for pitch calls on our various social media
platforms.
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How does the selection process look like? How long does this take?
There is a selection filter already at the point of application to pitch, supported by  paid workshop in between to prep the entrepreneur.
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Allow approximately 2-3 months for this interactive process to run.
Businesses selected form the pitch undergo a due diligence and investment
readiness process with a CBA/INTENTUM coach/advisor. Technical experts
may be mobilised based on identified needs.
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How is the interrelation between a local enterprise and INTENTUM after funds are deployed /
post investment?
The long-term co-entrepreneurship journey is INTENTUM's value proposition. We will be represented in the board, and support with coaching and consultancy, to strategise and grow the business together with its leadership (until the RBF is concluded as agreed).
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What is the process for an entrepreneur if not being selected after assessment?
If a business does not make it to the deployment stage of financial investments, INTENTUM has already invested in an entrepreneur and their business in the pre-investment phase. The
investment readiness process helps the entrepreneur identify areas of improvement. There may be opportunities to pursue a financial relationship at a later stage.

INTENTUM welcomes both financial, competency and resources in time. If you feel the call
to be part of what we do, we invite you to connect with us. See contact form or email us.

INTENTUM has a pipeline of aligned business cases at different stages of the funnel. Talk to
us and give us an opportunity to pitch a business that aligns with your heart, head and
pocket!

INTENTUM is neither a fund manager nor do we facilitate peer-to-peer lending at this stage.
Philanthropic investment is raised for specific investments and your giving may be ‘tied’ to a specific business case. Where there is a match and relevance, there may be opportunities for a philanthropic investor to engage with a entrepreneur/business beyond finances.

Investors receive financial updates of the company as well as updates on how the business is
meeting it’s other social and impact matrices.

INTENTUM mobilises philanthropic investments to be deployed commercially. This means you are giving money to be deployed as investment, driven by business principles. The segment INTENTUM works in is under-served because the risks are high and entrepreneurs often also require non-financial support. Patient capital, capacity building and access to networks are needed to grow these businesses to a sustainable level. INTENTUM’s choice to work in this space comes from of the opportunity for job creation, and transformational impact.

INTENTUM expects a return on investments. Philanthropic investments raised is deployed based on solid market-driven, and viable business principles. Businesses that we work with must have viable business models, and entrepreneurs with drive and grit.  Capital payback with return on investment will be channelled into a revolving fund to be deployed into other impact businesses.

INTENTUM is reliant on generous donors in our own start-up phase. We plan to at least
build a cost-recovery model to better steward the funds we raise. We want to hold ourselves
to the same principles of sustainability and viability as the entrepreneurs we work alongside.