About the Job

The service provider will undertake a rapid assessment of existing credit-readiness, enterprise support, and financing initiatives to identify market gaps, avoid duplication, and identify opportunities for collaboration. The assessment should clearly demonstrate how the proposed Credit Readiness Clinic differs from and complements existing business development and financial literacy services. Based on the findings, it will design a practical Credit Readiness Clinic in consultation with banks, microfinance institutions, fintech companies, digital lenders, SACCOs, and other relevant stakeholders. The clinic should be aligned with actual financing requirements and place particular emphasis on the requirements associated with cash-flow-based lending, digital finance, alternative credit scoring, and non-collateralized financing products.The clinic should operate as a diagnostic and referral service rather than a conventional training programme. Participating enterprises should undergo an assessment to identify the specific factors preventing them from accessing finance. Based on the findings, the service provider will develop practical improvement plans and support enterprises to address identified gaps including strengthening financial records, improving cash-flow visibility, separating business and personal finances, increasing the use of digital transactions, improving business documentation, formalizing business operations, and addressing other factors that influence financing decisions.The clinic should include a structured pathway that enables enterprises to progressively meet agreed credit-readiness criteria. Rather than applying a single standard, the approach should recognize different levels of readiness and facilitate referrals to financing products that best match enterprise needs, maturity levels, and financing capacities. Enterprises successfully completing the process should receive a Credit Passport demonstrating that they have met agreed readiness standards established in consultation with participating financial institutions.The selected provider will pilot the clinic with at least 100 MSEs and facilitate linkages with appropriate financial institutions and financing products. Particular attention should be given to matching enterprises with suitable financing opportunities rather than directing all enterprises toward conventional bank lending. The pilot should track enterprise progress from diagnosis through readiness improvement, referral, financing application, and financing outcomes.The service provider is expected to engage and secure collaboration with at least two financial institutions willing to participate in the design and pilot implementation of the Credit Readiness Clinic, including recognition of the Credit Passport and participation in referral and financing processes.The model should demonstrate how the service can continue beyond LIWAY support and create value for enterprises, financial institutions, business service providers, and other ecosystem actors.Please refer the ToR for complete details.

About You

The service provider should demonstrate proven experience in enterprise finance, financial inclusion, fintech, digital finance, alternative lending models, credit-readiness services, or related fields. Demonstrated experience in facilitating enterprise linkages with financial institutions is highly desirable.
Preference will be given to proposals that demonstrate strong engagement from financial institutions, clear differentiation from conventional BDS approaches, a viable pathway to sustainability, affordability for target enterprises, and strong potential for wider market adoption beyond the pilot period.
Demonstrated experience in credit readiness clinical service for MSEs
Proven experience and understanding of the financial sector and the MSEs landscape
Experience in expending MSEs digital credit readiness material preparation and execution.
Robust ethics, safeguarding, and data protection protocols in prior projects.
Language: Excellent English (reports, presentations); Amharic for fieldwork

Please refer the ToR for complete details.

Requirement Skill

consultancy

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