Treetop Investment Motivation

Investment pitch
Presented by: Anisa Libuya
http://treetopfunds.com

CONTENT
©2016 TREETOP FUNDS LIMITED. ALL RIGHTS RESERVED. 2
1. About Treetop Funds
2. Traction
3. Market Opportunity
4. Problem
5. Our Solutions
6. Products
7. Business Model
8. Market Approach and Strategy
9. Team
10. Competition
11. Investment
12. Use of funds
13. Promoters CV – Anisa Libuya

ABOUT TREETOP
What is Treetop Funds?
Treetop Funds is a Micro lending institution registered with the Patents and
Companies Registration Agency of Zambia. The company wishes to operate as
a financial institution utilizing the managed peer-to-peer lending, providing
loans and investment opportunities to individuals in Zambia.
Our vision
At Treetop, we aim to finance things that matter.

TRACTION
20+
Requests a
month
Next milestones;
1. Secure a financial
services license
from Bank of
Zambia or Ministry
of finance.
2. Secure seed
funding
3. Establish office
location
Treetop Funds is fully
registered with the Patents
and Companies
Registration agency
(PACRA)
A website and Facebook page
has been created for marketing
purposes.
http://treetopfunds.com
http://facebook.com/treetopfunds
Since creation of
website and
Facebook page,
20+ inquiries come
in every month
from employees in
the public and
private sector

MARKET OPPORTUNITY
2.6MPeople fall under the
categories; salaried
employees, Traders &
Business Owners
71%of the target market
are not formally
included in the financial
system
250K
People
8.1M
Million adult
population (2015)
Our target market include:
• Salaried employees
• Traders
• Business owners
Target share of
market
• 10% of serviceable
market
Total available market
• Adult population is defined at
males and females over the
age of 16.
• This constitutes 52.2% of total
population
Serviceable market
• 32% of total available
market
Financial exclusion
• A share of the serviceable
market that are unbanked
or are unable to access
required financial products
from traditional banks due
to stringent requirements.
Source: Financial Sector Deepening Zambia (FSD) 2015 report

THE PROBLEM
1. Lack of credit due to stringent requirements from
traditional banks.
2. The market has an undiversified product mix.
3. Low adoption of technology results in high cost
of settlement of loans that is passed on to clients.

OUR SOLUTIONS
Diversified
products
Affordable
interest rates
Realistic credit
assessment
Faster
approval rates
Online loan
application

OUR PRODUCTS
It is a fact that most small and medium
enterprises in Zambia have a difficult
time accessing financing from traditional
banks. The lack of capital financing in
Zambia is due to a number of factors that
evolve around businesses not meeting the
initial criteria set by banks to access
finance. As TreeTop, we believe we can
add value in this space by working
closely with businesses to meet their short
term capital financing requirements.
It is very common for students to delay
their enrollment due to failure in coming
up with the full cost required to enroll. The
TreeTop education loan will guarantee
payment of school fees and/or living
expenses for students while putting the
parents on a monthly repayment plan.
The value proposition of the educational
loan product is that it alleviates pressure
from parents and allows them to plan
their expenses accordingly instead of
coming up with lump sum payments each
semester.
These will consist of short term (less than
12 months repayment plan) loans to meet
the unexpected emergencies that people
go through from time to time. The time of
approval will be faster and the terms of
the loans suited to the particular needs of
the client.
Business Loans Educational Loans Personal Loans

BUSINESS MODEL
Treetop is a micro lending and investment institution. We borrow money from people who have an excess to
lend to people who need it.
Individual
and
Institutional
Investors
Borrowers
Loan fundingLoan originates
• Competitive interest
rates
• No Hidden fees
• Attractive returns
• Shorter maturity
period

MARKET APPROACH & STRATEGY
Interpersonal marketing and establishing trust with customers will be the main focus of TreeTop in the first few
years of operations. TreeTop will ensure that positive customer experience triggers word of mouth that will
lead to new client acquisition. In Zambia, relationships and community are the core of business activity, ‘the
word on the street’ is the best marketing channel and a strong indicator of a company’s reputation. It is also
inexpensive.
Pricing
Marketing&Communications
Strategy
SalesStrategy
Agent networks: TreeTop will
build a plan that will enable
agents to take down
information (through an
application form) from
prospective clients. Customer
will be able to access and fill
the application forms from
select agent locations, the
agents will then forward this
information to us for
assessment.
Sales representatives: TreeTop
will employ sales
representative on a commission
basis payment plan. In order to
promote youth employment, the
sales agents will typically
consist of college students and
recent university graduates.
Website: Other than being a
marketing tool, the website will
be an effective selling tool in
that it will have the capability
of receiving online loan
applications.
Facebook and twitter
marketing: Considering that
the majority of Zambians are
on Facebook and Twitter, the
two social media pages will
be a way to reach out to
potential clients as well as
communicate any new
products or deals.
Flyer campaigns: Other than
being cost effective, flyer
campaigns are usually
effective in that they
introduce the brand to
people instantly and provide
them with the necessary
information. We will run flyer
campaigns at least once a
week.
Website: TreeTop maintains
an active website with
diverse functionality that
enables visitors to apply for
a loan online, get in touch or
just familiarize themselves
with our services.
TreeTop Funds Limited will
employ the “declining
balance method” in
calculating interest rates. The
method used will highly
depend on the anticipated
social impact of the loan.
Interest rates will be
calculated based on
prevailing market rates and
measures will be taken to
make sure the interest rate
does not exceed the market
rate by watching our costs
closely.

TEAM & KEY STAKEHOLDERS
Anisa Libuya
Founder & CEO
Anisa is an entrepreneur and investment
Consultant by profession with KPMG. He holds
a bachelor degree in Economics with Minors in
Mathematics and Asian Studies from Fairfield
University.
Mubita Masinda
Head of Operations
Mubita is currently an Insurance Sales Executive
with Meanwood General Insurance. As head of
operations, he will be responsible for efficiency of
the business from the sales and operations side.
Vacant
Head, Finance and Administration
The head of Finance and Administration will be
tasked with making sure the company is
compliant with all the reporting requirements for
a business of this nature. The position extends to
providing internal timely reports on the financial
performance of the business

COMPETITION
The microfinance industry is led by small and medium players mostly providing services to the unbanked
micro entrepreneurs. Microfinance as well as the penetration of mobile banking solutions has resulted in over
50% of the population being financially included according to Financial Service Deepening Zambia (FSD)
2015 report. The following tables analyses the competitive landscape:
Competitor No. of
institutions
Products and Services
offered
Strengths (+) Weaknesses (-) How to compete with
them
Commercial Banks 19 Boz
Registered
banks
Diversified loan products Adequate
capital to issue
loans
Stringent requirements
that are not met by
most people and
businesses
Offer relaxed credit
requirements
Other Microfinance
Institutions
37 BoZ
Registered
institutions
Microloans to entrepreneurs They possess a
blue ocean
market
Lack of innovation -
Products are still mostly
tailored to microcredit
thus neglecting the fact
that the needs of clients
are evolving
TreeTop has a mix of
products to cater to the
most pressing needs of
the people. Other than
that, TreeTop will be
reviewing their loan
products to align it to
client needs.
Community
savings programs
i.e Chilimbas
- Microloans and savings
initiatives
Flexible terms
and usually zero
to little interest
on loans
High risk of default due
to poor evaluation of
the borrower’s ability
to pay back the loan.
Potential to destroy
personal relationships
and ruin the integrity of
the borrower in the
case of default.
Due to the fact that
TreeTop is a formal
registered institutions,
investors and borrowers
can be guaranteed that
their reputation will be
maintained.

INVESTMENT
ZMW 1M
Seed Round
Initial investment sort
We are looking for a ZMW 1M 12 month financing/line of credit to finance start-up costs and attain an
interest income of at least ZMW 287.8K and a customer coverage of at least 388.
ZMW
287.8 K
ZMW
424.5
K
388
customers reached
Requesting ZMW 1,500
avg.
ZMW 287.8K
Interest income
Over 12 months
ZMW 575.5KWorking capital
Start-up expenses

USE OF FUNDS
S/N Use of funds Amount (ZMW) Amount (USD)
1 License fees and permits 5 000,00 500,00
2 Funiture 30 000,00 3 000,00
3 Telephone and Printer 3 500,00 350,00
4 One year office rental 60 000,00 6 000,00
5 Banking system (license fee) 45 000,00 4 500,00
6 One year utilities (Water, Electricity and internet) 15 000,00 1 500,00
7 Communication (Talk time) 6 000,00 600,00
8 Salaries 240 000,00 24 000,00
9 Two Computers 20 000,00 2 000,00
10 Working capital 575 500,00 57 550,00
Total Funding Requirement 1 000 000,00 100 000,00
Primary use of funds sort will be in financing the initial start up costs for the first year of operations.
The following table outlines a breakdown of the use of funds sort:

Qualifications  Bsc. Economics (Distinction), Fairfield University, USA
 Dissertation: “ The second Scramble for Africa: China’s role in Africa’s Development”
 Chinese Studies (Exchange Program), University of International Business & Economics (UIBE), Beijing China
Employment
Experience
Deal Advisory Consultant, KPMG, 2014-present
Consultant in the Advisory department with a specific focus on management consultancy and Deal Advisory. Anisa has worked on market
entry studies, financial due diligences, internal process reviews and IT system reviews. some of the selected assignments include;
• A study into opportunities in the agricultural value chain
• Financial due diligence for a microfinance institution
• Market entry study for a major distributor of high-end fashion wear in Africa
• SOX audit for the biggest copper fabricators in Zambia
• IT system review for the second largest university in Zambia
• Feasibility study for establishment of manganese smelter in Zambia.
• Situational review of state owned enterprises in Zambia
Commercial Analyst intern, General Electric Company, Lusaka, 2013-2013
Served as an analyst responsible for Macro-economics and policy research to aid GE’s market entry strategy into the Zambian mining
sector.
Finance Analyst Intern, General Electric Company (GE), Nairobi, 2012-2012
Served as a finance analyst in the Financial planning and analysis team. General responsibilities included base cost analysis and general
ledger reconciliations.
Research Associate, Fairfield University, Fairfield (USA), 2010-2014
As a research associate for the Economics department, I was tasked with performing economic and policy analysis in relation to different
topics and formulating well thought out research findings. My findings formed research papers and were at times used to deliver course
materials to other students. Among the research performed included a comprehensive economic analysis of Chile and Peru and the
analysis of the direction of clean energy policies in Connecticut.
Countries of work experience : Zambia, Kenya and USA.
Skills Macro economic research and analysis, Policy analysis, Data analytics , Report writing &Business development
ANISA LIBUYA
CURRICULUM VITAE
24 Chilufya Mulenga Rd, Longacres, Lusaka I +260 976 671 902 I libuya.anisa@gmail.com

TREETOPFUNDS.COM
Financing Impact
Email: libuya.anisa@gmail.com
Mobile: +260 976 671 902

Treetop Investment Motivation

Recommended

Recommended

More Related Content

What's hot

What's hot (17)

Similar to Treetop Investment Motivation

Similar to Treetop Investment Motivation (20)

Recently uploaded

Recently uploaded (20)

Treetop Investment Motivation