Skip to content

A new possibility for the real economy

Good businesses
shouldn’t stand still.

The demand is there. The machines are there.
Let’s get the power — and the financing — to match.

A tailor working with patterned fabric in Maiduguri, Nigeria
01 / EnterpriseAmbition, already at work.
Aerial view of a solar farm in De Aar, South Africa
02 / EnergyPower for the next chapter.
Two businesswomen holding laptops in a Lagos office
03 / PossibilityProgress that reaches further.
Starting in Nigeria. Built around productive businesses.Photography & credits ↗

The encounter that started a question

54 machines.
Only eight working.

A business came to us with most of its capacity sitting idle. It made the problem impossible to ignore: owning the machines is not the same as being able to run them.

So what would it take to understand that business properly — and give energy providers and capital partners the confidence to back its next step?

An anonymised situation reported to our team. These are starting conditions, not results delivered by Confluence.

8 reported working46 idle

Potential exists.
The missing piece is confidence.

Meet Confluence

We connect what a business
can do with the confidence
to back it.

We show what a business is really doing, help it do it better, and stand behind the payments — so energy providers can say yes more often, and capital partners can see what they are backing.

A closer look at how it works

From scattered records
to shared confidence.

A clearer picture of the business.

Meter readings, invoices and collections in one place. See what you know, what is missing and what needs attention today.

Explore the process
ConfluenceIllustrative workspace
PORTFOLIO / EXAMPLE MANUFACTURER

The operating record

Evidence review3 sources connected
In review
01
Energy deliveryMeter record + delivery note
Matched
02
Customer invoiceContract + accepted delivery
Reviewed
03
Bank collectionsInvoice + payment reference
Matched
Calibration certificate needs renewal.
An owner and next action are recorded.
Source → review → decisionHuman oversight ●

Designed for the work between decisions

Keep the whole
operating story.

Projects change after the contract is signed. We stay with them — and keep the record current.

Start at the source.

Site records, meter readings and supporting documents, gathered and reviewed in one pass.

See the complete process ↗
SOURCE RECORDIllustrative view
01Site and counterparty
02Observation period
03Supporting document

The origin of each record stays visible.

Two parts. One purpose.

The insight to understand.
The capital to stand behind.

01 / The platform

A living operating record.

We measure what the business does, check the numbers against the paperwork, fix what is slowing it down and stay on the account. Everyone works from the same reviewed record.

Evidence → improvement → better decisions
02 / The fund

Backing with a defined boundary.

Real capital stands behind the agreed payment cover. We take priced risk — and we keep it in plain view.

Capital → agreed cover → disciplined recovery

The platform makes the risk understandable. The fund makes the cover possible. Providers and lenders are welcome to use the platform on its own, without taking Confluence capital.

Follow the money

One project.
Every party accounted for.

A $600,000 energy installation. A business paying for reliable power. A provider with debt to service. Here is where Confluence fits.

The customer

$90,000Annual savings: $360,000 baseline less $270,000 energy payments.

The provider

$78,734Before protection premium and tax: collections less $45,000 recurring costs and $146,266 senior debt service.

The fund

$48,000Restricted cash backing for agreed payment cover. This is capital at risk, not income.

The Confluence platform

$6,000Annual servicing fee, included in recurring costs. A separate $6,000 setup fee applies.

Illustrative USD scenario, not a quote. Installation funded by $480,000 senior debt and $120,000 provider equity. Senior debt: 18% nominal annual interest, monthly repayment over 60 months. Security and setup costs are additional. Premium is separately assessed against funding cost, expected losses, expenses and minimum alpha; it is not an assumed fund return.

How we intend to earn scale

Evidence before expansion.
At every stage.

We are building our first group of projects now. These are the questions they have to answer before we take on more.

01 / Business performance

Is the business actually running better?

Productive hours, energy cost per unit and how reliable the supply really is — measured against where the business started.

02 / Payment performance

Is the provider collecting?

Compare amounts due with cash collected, payment delays and the cost of servicing each project.

03 / Fund performance

Does the cover pay for itself?

Measure claims, recovery costs and net premium after funding cost, losses and expenses.

04 / Operating efficiency

Can the process repeat?

Track onboarding time, evidence completeness and staff effort per site as each cohort develops.

One score is never the whole decision. Evidence quality, eligibility, concentration and independent approval all matter.

Read our evidence approach ↗
Two tailors concentrating on their work in a workshopContext photography · Safari Consoler / Pexels

The future we are working towards

More hours working.
More orders filled.
More possibility.

Reliable energy matters because of what people can do with it: run equipment, preserve goods, deliver an order and keep a business moving.

We want good businesses to be easier to understand, support and finance — starting with a carefully chosen Nigerian energy portfolio, and growing on results we can show you.

Meet our approach ↗

Build the next chapter with us

Let’s put more potential to work.

Bring a customer portfolio, a stubborn operating problem or a capital partnership. A conversation is a fine place to start.

Discuss a partnership Speak directly with the founding team.