Illustrative decision application

Entrepreneur Finance Architecture

Context archetype · SME finance / Public financial institutions

A government considering an entrepreneur bank must first determine which financing gaps remain unsolved, which instruments fit each segment, and whether a new regulated institution is more effective than strengthening existing channels.

Decision to unlock: Should Government create a new entrepreneur bank, strengthen existing channels, or deploy a different financing architecture?
Why now: A financing gap does not automatically imply an institution gap; new public banks can duplicate existing channels and create recurrent fiscal risk.
Value at stake: Additional performing finance, private capital mobilised, first-time formal borrowers, firm survival, jobs, productivity and regional inclusion per unit of public capital.
Risk if wrong: Political credit allocation, NPL accumulation, repeated recapitalisation, inappropriate debt for equity-risk firms and crowding out private finance.

STREDGE workstreams

Financing-gap diagnosis

Segment entrepreneurs by stage, product need, rejection reason, collateral/data constraint and geography.

Instrument architecture

Match debt, guarantee, refinancing, leasing, equity, quasi-equity, venture debt and technical assistance to each gap.

Institution options

Compare strengthened existing institutions, wholesale platforms, guarantee-first, public-private bank, non-bank DFI and capital platform.

Public-capital efficiency

Model capitalisation, expected losses, guarantees, crowd-in, governance and downside scenarios.

Government-owned outputs

Entrepreneur Finance Decision Dossier
Segment & Product Architecture
Five-Year Economics Model
Public Capital-at-Risk Register
Governance & Credit Independence Model
Additionality Scorecard

Possible outcomes

No new bank / Strengthen existing / Guarantee-first / Wholesale platform / Public-private bank / Capital platform / Pilot / Defer

Illustrative only. Anonymised and not presented as a disclosed client engagement, endorsement or result.

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Other illustrations

Government & Public Institutions