The Missing Middle Opportunity Facility.

What the name means

Finance is easier to get for large companies and for micro businesses than it is for the companies in between. The industry calls that gap the missing middle. Most of the businesses in that gap are not short of demand. They are short of capital and short of management capacity at the same time, and one without the other does not move them.

MMOF exists to sell both together. We select companies that are economically viable and that operate responsibly, then we finance them and work inside them. The word opportunity in our name is deliberate. The missing middle is a market, not a cause.

Why we charge for the work

Free advice has no price and no accountability. We agree a fee for the services before the work starts, and we agree what we must deliver for it. That gives the company a reason to hold us to the result, and it gives us a reason to send our best people.

The same logic sits behind the service-backed loan. Money and skills arrive in one agreement, so neither side can treat the skills as optional.

What we look for

• Revenue already coming in from paying customers
• Operations in Uganda, Kenya or Somalia
• A management team that wants the skills as well as the money
• A business that can pass an ESG review and gain from it commercially

How we are funded

We work with investors, institutional donors, NGOs and the private sector. Grant funding pays for the capacity building that a loan on its own cannot buy. Investment capital pays for growth. Keeping those two sources distinct is what lets us price the services honestly.