Guide: Building a Bankable File
How to build a solid financing file for your agricultural project — banks, MFIs, donorseurs de fonds et investisseurs privés.
Building a Bankable File
A bankable file is a file that convinces a financial institution to grant credit or investment. It is not enough to have a good project — it must be presented in a way that reassures the banker on repayment and viability.
The 7 essential components
CV, sector experience, personal guarantees, legal status.
Demand, competing supply, market prices, identified outlets with evidence.
Detailed quotes, acquisition schedule, minimum personal contribution 20–30%.
Revenue, costs, EBITDA, cash-flow, breakeven — pessimistic/realistic/optimistic scenarios.
Amortisation table, debt/equity ratio, debt service coverage.
Land title, equipment pledge, FOGAM guarantee, personal surety.
Climatic, health and market risks — and the measures taken to mitigate them.
💡 Conseil XP-NOVA : Have your file prepared by a credible third party (consulting firm, certified accountant) to maximise credibility with donors. A promoter who presents their own file is less credible than one validated by an independent professional.