Coronation Private Credit

Credit solutions for established businesses

Our private credit offering is intended for businesses with a demonstrated operating history, identifiable financing requirements and credible sources of repayment. We consider opportunities across selected sectors of the Zimbabwean economy, with each transaction assessed on its individual merits.

Typical clients may include:

• Established corporates with short-term working-capital requirements
• Businesses experiencing temporary cash-flow timing mismatches
• Companies funding confirmed contracts or purchase orders
• Businesses requiring bridging finance between receivables and operating obligations
• Companies seeking an alternative or complementary source of short-term funding
• Businesses with specific, clearly defined liquidity requirements

We are selective by design. Not every financing requirement is appropriate for private credit, and not every business will meet our investment criteria.

Funding designed around identifiable needs

Our focus is on short-duration financing where the purpose of capital and expected repayment pathway can be clearly understood.

Working Capital

Support for short-term operating requirements, including situations where cash inflows and business obligations do not align in timing.

Receivables & Cash-Flow Gaps

Financing designed to bridge temporary gaps between the delivery of goods or services and the receipt of expected cash flows.

Contract & Order Financing

Short-term capital to support the execution of identifiable commercial opportunities where there is sufficient visibility over the underlying transaction and repayment source.

Bridging Finance

Interim funding for businesses with a defined near-term liquidity requirement and a credible source of repayment.

Short-Term Corporate Liquidity

Structured facilities to address specific, temporary liquidity requirements without necessarily requiring businesses to undertake longer-term borrowing.

Institutional discipline. Local understanding.

Coronation brings an investment-led approach to private credit, combining rigorous analysis with an understanding of the local operating environment.

Disciplined underwriting

We assess each transaction on its fundamentals rather than pursuing volume for its own sake.

Short-duration focus

Our focus on shorter-duration opportunities allows us to target clearly defined financing requirements with identifiable repayment horizons.

Capital preservation mindset

Risk management is central to our approach. We seek to protect capital by understanding downside scenarios before committing capital.

Structured solutions

We work with businesses to develop financing structures appropriate to the specific requirement rather than applying a one-size-fits-all approach.

Active monitoring

We maintain oversight throughout the duration of each investment, allowing us to identify changes in risk and respond proactively where required.

Selective deployment

We believe selectivity is a strength. We would rather decline an opportunity than compromise our credit standards.

We do not rely solely on historical financial performance.

Our analysis considers how a business may perform under different operating conditions and whether the proposed structure provides sufficient protection if assumptions do not materialise as expected.

• Active and Robust pipeline of Borrowers
• US$100m short-term credit opportunities
• Proven track record of successful deployment
• Exposure to opportunities in different sectors
• Client-centric approach focused on long-term partnerships

Our clients benefit from:

• Speed and flexibility in execution
• Structured, secured credit solutions
• Deep understanding of local trade and operating environments
• Transparent terms and active relationship management

Partner with us to deploy capital across Africa

Coronation offers investors access to professionally managed, short-term private credit opportunities across different markets. Capital is deployed into diversified, short-duration credit transactions designed to generate attractive risk-adjusted returns while prioritizing capital preservation.

Coronation Private Credit provides capital preservation, liquidity, and yield through generating competitive returns while minimising client exposure to market volatility. At all times we seek to connect the investor and the investment across each of the following core aspects:

Risk Appetite

We seek to understand our client’s risk appetite and return requirements, as well as your constraints and assess a fit to invest in the Coronation Private Credit strategy. Our mandate with investors will be modelled against the investors’ risk-return requirements.

Asset Classes

Based on our understanding of the Zimbabwean and African markets in general, gained from our network and physical presence across Africa, we offer our clients exposure to short-term private lending opportunities that is in tune with economic shifts and regulatory dynamics.

Credit & Risk

Our experienced professionals start with a thorough due diligence, taking a deep dive into understanding all aspects of the opportunity and its sustainability to meet our return requirements. Our professionals also conduct a thorough risk assessment, involving identification, monitoring and mitigation of actual and potential risks of any transactions we underwrite.

Deal Pipelines

Through our existing networks and a physical presence, the Coronation team actively seeks out and contacts businesses that want flexible, customised financing options. In order to stay ahead of the game until the loan is paid back in full, the team offers hands-on monitoring from disbursement until debt is fully repaid.

For Borrowers, Coronation Private Credit provides speed in execution, flexibility and customisation of solutions, and financing solutions to the small- and medium-sized enterprises (SMEs) or non-investment-grade borrowers underserved by traditional banks. For the Borrower, Coronation Private Credit provides:

A Match to your Needs.

We take the time to learn about the unique features of each borrower and customise financing arrangements to each specific situation. This approach includes tailoring interest rates, and repayment plans specific to your circumstances. For businesses that are going through major transformation and have non-traditional business strategies and irregular cash flows, this flexibility is essential.

Quick Execution

With a clearly defined mandate, an understanding of the investors’ risk appetite, as well as extensive experience working with clients across Africa, Borrowers will find speed to decision making from the Coronation Team compared to traditional financing sources. We understand that speed is a critical advantage to our clients, especially for time-sensitive and complex transactions which are typical on the continent.

Solutions Tailored for you

We create financing strategies tailored to your unique needs while treating your information as a strategic asset. We ensure strict confidentiality in every solution, preserving your competitive advantage and delivering reliable systems designed to support your success under all conditions. Your goals and privacy are our top priorities.