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African Project Bankability Scorecard

Accueil > African Project Bankability Scorecard

A bankability scorecard is a vital to help bridge the gap between African projects and global capital. In the African context, “bankability” extends beyond just financial returns; it encompasses the mitigation of political, currency, and operational risks that often deter international investors.

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Project sector

Manufacturing, extractive, production, and transportation industries
Service, Digital & Knowledge-Intensive Enterprise
Consultancy, Advisory & Capacity Building / Training Organizations
Hard Infrastructure Asset

Project Information

Project Name : *

Project Sponsor : *

Country of Implementation *

Contact Person's Name : *

Contact Person's Email : *

Contact Person's Telephone number *

Pillar 1: Legal & Regulatory Framework (The Right to Operate)

1. Right to Exercise and Right of Access (Land, Mining, or Spectrum Rights) *

Usage rights are disputed, informal, or purely verbal.
Government "No Objection" or provisional allocation letter.
Final Title Deed, Concession Agreement, or Licensed Rights (e.g., Mining Lease, Telecom License, or Industrial Land Title).
Authorizations (certifications, permits)

Select the option that best describes your current documentary evidence.

2. Off-take & Revenue Certainty *

Relying on retail sales or speculative market demand.
Non-binding Letters of Intent (LoI) or MoUs with potential buyers.
Executed Long-term Off-take Agreement (e.g., Agricultural "Forward Contract," Industrial Lease, or Sovereign PPA) with a "Take-or-Pay" or "Ship-or-Pay" clause.

Select the option that best describes your current documentary evidence.

3. Sovereign Compliance & Permits *

Project not aligned with National Development Plans; permits not started.
Alignment letters received; environmental/building permits "in-process."
Full Regulatory Approval (Environmental, Health & Safety, and Municipal) and formal inclusion in the national priority project list.

Select the option that best describes your current documentary evidence.

Pillar 2: Financial Engineering (The Right to Repay)

4. Currency Resilience (The "FX" Factor) *

100% local currency revenue with no protection against devaluation.
Informal government promises of FX priority; partial local hedging.
Hard-Currency Indexation (USD/EUR) or an Offshore Revenue Account approved by the Regional Central Bank (e.g., BCEAO, BEAC, or SARB).

Select the option that best describes your current documentary evidence.

5. Debt Service & Insurance *

Internal estimates only; no independent financial validation.
Unaudited financial model; preliminary discussions with commercial banks.
Audited Financial Model showing DSCR > 1.30x and a secured Political Risk Insurance (PRI) policy or DFI Guarantee.

Select the option that best describes your current documentary evidence.

Pillar 3: Technical & Operational Delivery (The Right to Build)

6. Delivery Strategy (EPC/Contracting) *

No lead contractor; "Self-build" strategy with no technical audit.
Shortlist of contractors; draft "Cost-Plus" agreement.
Signed Fixed-Price Turnkey EPC/Construction Contract with a reputable firm and Liquidated Damages for delays.

Select the option that best describes your current documentary evidence.

7. Supply Chain & Lifecycle Security *

Reliance on erratic local supply of raw materials or fuel.
Draft supply agreements or multiple small suppliers.
Secured Long-term Feedstock/Raw Material Supply Agreement and a 5-year O&M (Operations & Maintenance) Contract.

Select the option that best describes your current documentary evidence.

Pillar 4: Strategic Impact & Regionality (The Right to Grow)

8. Local Inclusivity & Content *

No local employment or SME integration plan.
Basic compliance with national labor laws.
Binding Local Content Plan with signed JVs for local SME integration and community equity participation.

Select the option that best describes your current documentary evidence.

9. Regional Market Integration (AfCFTA) *

Project serves only a limited local/city-level market.
Potential for cross-border trade; logistics routes identified.
Certified AfCFTA Export Strategy with verified "Rules of Origin" compliance to access the over 1.3 billion-person African market.

Select the option that best describes your current documentary evidence.

Pillar 1: Legal & Regulatory Framework – The Right to Operate

1. IP Sovereignty, Operating Licenses & Data Jurisdiction *

Operating rights or software IP ownership are disputed, informal, uncertified, or purely verbal.
Government "No Objection" letter, provisional fintech/edtech sandbox approval, or pending IP trademark/patent registration.
Final Operating License (e.g., Central Bank Payment Service Provider license, Telecom/ISP license, Higher Education Accreditation) and legally secured, unencumbered Proprietary IP Rights.

What documentary evidence exists regarding operational licensing, intellectual property rights, data protection authorization, or fintech/educational/telecom regulatory approvals?

2. Client Contracts & Revenue Certainty *

Relying on uncommitted B2C retail sales, ad-hoc transactional fees, or speculative market demand.
Non-binding Letters of Intent (LoI), pilot MoUs, or unverified sales pipelines with corporate/institutional clients.
Executed Multi-Year Service Level Agreements (SLAs), Enterprise SaaS Master Services Agreements (MSAs), or Long-Term Offtake Contracts with minimum volume commitments ("Take-or-Pay" equivalent).

What documentary evidence demonstrates long-term commercial traction and contracted revenue stability?

3. Sovereign Compliance, Data Protection & Regulatory Alignment *

Unaligned with national digital strategies; non-compliant with data protection regulations; no regulatory filings initiated.
Alignment letters received; compliance with national data privacy laws and sector regulations is currently "in-process."
Full Regulatory Approval (Data Protection Authority certification, Cybersecurity Compliance, National IT Agency accreditation) and formal inclusion in national/regional priority innovation programs.

To what extent is the service aligned with national digital economy strategies, regional data protection laws, and sector regulations?

Pillar 2: Financial Engineering – The Right to Repay

4. Foreign Exchange (FX) Resilience & Repatriation *

100% unhedged local currency revenues with no structural protection against devaluation or repatriation bottlenecks.
Informal promises of central bank FX allocation priority; active local currency inflation indexing or partial FX hedging strategies.
Hard-Currency (USD/EUR) Indexation built into client contracts, OR an Offshore Revenue Account approved by regional central banks (e.g., BCEAO, BEAC, SARB) with integrated cross-border rails (e.g., PAPSS).

How does the enterprise protect its recurring revenues against currency devaluations and FX illiquidity across African markets?

5. Financial Modeling, Debt Service & Credit Enhancement *

Internal management estimates only; no audited financial history or independent financial validation.
Unaudited financial model; preliminary debt funding discussions with commercial banks or venture debt funds.
Third-Party Audited Financial Model showing a Debt Service Coverage Ratio (DSCR) > 1.30x (or recurring ARR-to-Debt coverage > 2.5x), secured Political Risk Insurance (PRI), or a DFI Partial Credit Guarantee.

What is the quality of the financial architecture and debt-service capacity?

Pillar 3: Technical & Operational Delivery – The Right to Execute

6. Platform Development & Systems Integration Strategy *

No technical lead or lead software architect; "in-house self-build" with no external code audit, technical validation, or SLA framework.
Shortlist of systems integrators/development agencies; draft "Time & Materials" development contract.
Signed Fixed-Price Turnkey Software/Infrastructure Delivery Contract with a reputable technology partner, backed by clear Performance Guarantees and Liquidated Damages for deployment delays.

What is the execution strategy for building, deploying, scaling, and maintaining the digital platform, software architecture, or specialized service infrastructure?

7. Supply Chain, Infrastructure & Operational Security *

Reliance on insecure single-server hosting, unmanaged open-source dependencies, or high key-person risk without operational backup.
Draft cloud hosting agreements; fragmented maintenance contracts across multiple small vendors.
Secured Multi-Year Cloud Enterprise Agreement (99.99% Uptime SLA with tier-3 data centers) and a 3-to-5-year Managed Operations & Security (O&M / SecOps) Agreement.

How secure are core operational inputs, cloud/server hosting, data infrastructure, and key technical human talent?

Pillar 4: Strategic Impact & Regionality – The Right to Grow

8. Human Capital Development & Local Capacity Building *

Reliance on offshore development/consulting with no local skills transfer or local technical capacity building.
Basic compliance with local labor requirements; informal internship or junior training opportunities.
Binding Local Talent Development Plan featuring structured upskilling programs (e.g., AfroSkills platform integration) and formal partnerships with local technology hubs or universities.

How does the enterprise drive local employment, skills development, and domestic SME integration?

9. Regional Market Expansion & AfCFTA Digital Integration *

Service serves only a limited local or single-city market with no cross-border strategy.
Documented strategy for regional expansion; target African corridors identified with preliminary market studies.
Executed AfCFTA Cross-Border Trade & Digital Services Strategy utilizing regional clearing systems (e.g., PAPSS) and compliant with regional data mobility frameworks to serve multi-country African markets.

What is the enterprise’s strategy to scale across African borders under the AfCFTA Protocol on Digital Trade and Services?

Pillar 1: Pedagogical Integrity, IP Sovereignty & Curriculum Quality

1. Intellectual Property (IP) Ownership & Courseware Sovereignty *

Curricula and advisory frameworks are 100% foreign-owned or uncredited "white-label" imports with no local adaptation rights or IP protection.
Operates under a formal licensing agreement with international IP owners, with documented rights for local contextualization and delivery.
Core training methodologies, masterclass curricula, or diagnostic tools are proprietary African IP, or co-developed in formal partnership with recognized African universities or research institutes.

What documentary evidence exists regarding the ownership, copyright, or regional adaptation rights of your training curricula, methodologies, and digital learning assets?

2. Institutional Accreditation & Quality Management *

Unaccredited training modules; no formal quality management system (QMS) or post-training evaluation framework.
Accredited by host-country vocational or professional education authorities (e.g., National TVET/Higher Education Boards); internal QMS active.
Certified under recognized regional/international quality standards (e.g., ISO 21001 for Educational Organizations) with regional credit-transfer recognition across AfCFTA member states.

What level of formal accreditation or quality certification do your capacity building programs and advisory services hold?

3. Instructional Design & Pedagogical Innovation *

Traditional passive lecture format with no digital integration, interactive materials, or structured skill assessment.
Blended learning model combining synchronous virtual masterclasses with basic digital handouts and attendance-based certification.
Advanced blended pedagogy integrating asynchronous digital LMS platforms (e.g., Kalan-Sira LMS), interactive case studies, practical simulations, and rigorous competency-based skill assessments.

What documentary evidence demonstrates the effectiveness of your learning architecture (e.g., hybrid delivery, asynchronous modules, peer case studies)?

Pillar 2: Financial Engineering & Revenue Sustainability

4. Offtake Certainty & Multi-Year Institutional Contracts *

Relying on ad-hoc, single-event workshop registrations or transactional B2C tuition fees with no forward pipeline visibility.
Non-binding Letters of Intent (LoI) or pilot MoUs with corporate clients, government agencies, or development partners.
Executed Multi-Year Master Services Agreements (MSAs), Retainer Contracts, or Institutional Capacity Building Grants with guaranteed minimum training volumes.

What documentary evidence demonstrates predictable recurring revenue from corporate, DFI, or government clients?

5. Currency Resilience & FX Repatriation *

100% local currency revenue with no hedging or protection against devaluation or transfer delays.
Contracts include inflation-adjustment clauses or partial indexation to stable currency benchmarks.
Hard-Currency (USD/EUR) contract indexation, or cross-border settlement enabled via regional central bank-approved rails (e.g., PAPSS) or offshore revenue accounts.

How does the organization protect advisory fees and tuition revenues against regional currency devaluations?

Pillar 3: Human Capital, Expert Network & Operational Execution

6. Expert Roster & Faculty Track Record *

Dependent on a single founder/expert (high key-person risk) with no structured trainer network or back-up faculty.
Vetted network of regional experts with documented domain experience and basic faculty onboarding procedures.
Institutionalized "Train-the-Trainer" program, multi-country certified faculty pool, and binding service agreements ensuring technical coverage across target trade corridors.

What is the qualification level, regional diversity, and operational security of your core faculty, trainers, and senior consultants?

7. Platform Infrastructure & Digital Reach *

Insecure, third-party consumer tools (e.g., unmanaged video links) with high downtime, no content security, and zero tracking analytics.
Dedicated commercial Learning Management System (LMS) with secure user authentication and basic completion tracking.
Enterprise-grade digital platform featuring multi-tenant LMS infrastructure, low-bandwidth optimization for remote African regions, and integrated analytics tracking learner outcomes.

How robust is the digital, technical, and physical delivery infrastructure supporting your training operations?

Pillar 4: Strategic Impact & AfCFTA Integration

8. Regional Talent Mobility & Cross-Border Capacity Building *

Training focus is confined to a single city/domestic market with no coverage of cross-border trade protocols or regional integration.
Curricula include specific modules on regional economic integration (ECOWAS, ECCAS, EAC) with participants from neighboring states.
Direct alignment with AfCFTA Trade in Services protocols; certified cross-border talent placement or professional mobility partnerships across multiple African markets.

How does your initiative facilitate cross-border trade knowledge, regional value chain development, and skill harmonization under AfCFTA?

9. Inclusivity, Gender Lens & Economic Multiplier *

No targeted outreach, gender diversity goals, or SME equity mechanisms in training participation.
Documented gender inclusion policy with 20%–40% participation of female professionals or SME founders.
Formal commitment of >50% participation from women and local SME leaders, backed by funded scholarship/subsidy frameworks (e.g., Rabawa incubator integration).

What evidence exists showing targeted skill development for women, youth, and local Small and Medium Enterprises (SMEs)?

Pillar 1: Legal & Regulatory Framework – The Right to Operate

1. Title, Concession & Access Rights (Land, Port, Airport, Utility or Right-of-Way) *

Title deeds, right-of-way, or usage rights are disputed, informal, uncertified, or purely verbal.
Government "No Objection" letter, preliminary concession award, or provisional land allocation.
Final Title Deed, Government Concession Agreement, Right-of-Way Allocation, or Enacted PPP Law Authorization.

What documentary evidence exists regarding land acquisition, right-of-way, concession agreements, or operating rights?

2. Off-take & Revenue Certainty *

Relying on uncommitted merchant traffic, speculative toll/fare revenue, or unverified market demand.
Non-binding Letters of Intent (LoI), preliminary government MoUs, or unverified traffic/demand forecasts.
3 Points: Executed Long-term Off-take Agreement (e.g., Sovereign Availability Payment PPA, Toll/Port Concession Take-or-Pay, or Annuity PPP Contract).

What documentary evidence demonstrates long-term revenue stability and demand certainty?

3. Sovereign Compliance & Environmental Permits *

Unaligned with National Infrastructure Plans; environmental & social permits not initiated.
Alignment letters received; Environmental & Social Impact Assessment (ESIA) and construction permits "in-process".
Full Regulatory Approval (Certified ESIA, Construction Permits, Health & Safety Clearances, etc.) and formal inclusion in national/regional priority infrastructure pipelines.

To what extent is the infrastructure project integrated into national master plans and regulatory frameworks?

Pillar 2: Financial Engineering – The Right to Repay

4. Foreign Exchange (FX) Resilience & Tariff Indexation *

100% unhedged local currency revenues with no structural protection against devaluation or repatriation bottlenecks.
Informal promises of central bank FX allocation priority; active local inflation indexing or partial FX hedging strategies.
Hard-Currency (USD/EUR) Indexation built into concession tariffs, OR an Offshore Revenue Account approved by regional central banks (e.g., BCEAO, BEAC, SARB).

How does the project structure protect its debt service and cash flows against regional currency devaluations?

5. Debt Service, Financial Modeling & Credit Guarantees *

Internal management estimates only; no audited financial model or independent traffic/engineering validation.
Unaudited financial model; preliminary debt funding discussions with commercial banks or DFIs.
Third-Party Audited Financial Model showing Debt Service Coverage Ratio (DSCR) > 1.30x, backed by secured Political Risk Insurance (PRI) or DFI Credit Guarantees.

What is the structural quality of the financial architecture and debt-servicing capacity?

Pillar 3: Technical & Operational Delivery – The Right to Build

6. Delivery Strategy & Turnkey EPC Contracting *

No lead contractor; "in-house self-build" strategy with no external technical audit or engineering oversight.
Shortlist of contractors; draft "Cost-Plus" development contract.
Signed Fixed-Price Turnkey EPC/Construction Contract with a reputable firm, backed by Liquidated Damages for delays and performance bonds.

What is the execution strategy for engineering, procurement, construction, and long-term asset operation?

7. Supply Chain & Lifecycle O&M Security *

Reliance on erratic local supply of raw materials, fuel, or unmanaged equipment maintenance.
Draft supply agreements; fragmented maintenance contracts across multiple local sub-contractors.
Secured Long-term Raw Material/Feedstock Supply Agreement and a 5-to-10-year Operations & Maintenance (O&M) Contract with performance guarantees.

How secure are critical construction inputs, fuel/feedstock supply, equipment, and ongoing operational maintenance?

Multiplier Reach Permits

Pillar 4: Strategic Impact & Regionality – The Right to Grow

8. Local Inclusivity, Content & Community Ownership *

No local employment or local SME sub-contracting strategy.
Basic compliance with national labor requirements and local hiring targets.
Binding Local Content Plan featuring formal JVs for local SME procurement (>35% spend) and community equity/benefit agreements.

How does the infrastructure asset drive local job creation, domestic SME participation, and community impact?

9. Regional Trade Corridors & AfCFTA Integration *

Asset serves only a localized municipal or city-level market with no regional connectivity.
Positioned along a regional trade corridor with preliminary multi-country traffic or usage studies.
Formally integrated into an AfCFTA Cross-Border Transit Corridor (e.g., Abidjan-Lagos highway, regional power pool, cross-border port/rail hub) with multi-country clearance frameworks.

What is the infrastructure asset’s contribution to regional economic integration and cross-border trade?

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