Cost-Plus Trade Model
Kingdom Asset Partnership
Instead of advancing interest-bearing cash loans, Mamaland Capital directly purchases the tangible assets, equipment, or machinery your business needs and sells them to you at an agreed cost-plus price with a transparent profit margin.
You pay for the asset over time in structured, predictable installments. The profit markup is fully disclosed upfront and fixed—ensuring zero hidden fees, penalty compounding, or variable interest rates.
Cost-Plus Illustration
Worked Example: Milling Machine Purchase
A customer requires an industrial milling machine costing KSh 100,000. Rather than advancing a cash loan with compounding interest:
| Step | Action / Component | Financial Breakdown |
|---|---|---|
| 1. Asset Purchase | Mamaland Capital buys the milling machine directly from supplier | KSh 100,000 (Original Cost) |
| 2. Disclosed Profit | Agreed transparent profit margin (Not interest) | + KSh 15,000 (Fixed Margin) |
| 3. Total Sale Price | Final cost-plus price sold to the customer | KSh 115,000 |
| 4. Payment Structure | Customer repays KSh 115,000 over fixed monthly installments | Fixed Monthly Payments |
Lease Financing Model
Stewardship Financing
Stewardship Financing enables entrepreneurs to access essential revenue-generating equipment without exhausting cash reserves or taking on heavy debt burden.
Mamaland Capital purchases the required asset and leases it to you for a fixed, agreed rental fee. Asset legal ownership remains with the institution throughout the duration of the lease, with flexible options to transfer ownership or buy back the asset upon completion.
Asset Scope
Ideal Assets for Stewardship Leasing
Our lease financing model is designed for high-utility, revenue-generating equipment across key trade sectors:
- Motorcycles & Logistics: Boda bodas, delivery bikes, and urban cargo transport fleet vehicles.
- Farm Equipment: Water pumps, walking tractors, greening equipment, and agricultural implements.
- Commercial Machinery: Posho mills, welding generators, tailoring machines, and food processing units.
Agreement & Trust
Mutual Agreement (Amos 3:3)
Every term, margin, and payment milestone is openly agreed upon prior to asset purchase. No surprise charges, penalty hikes, or hidden interest fees.
Faithful Management
Faithful Stewardship (1 Cor 4:2)
By leasing or buying equipment through cost-plus structures, you build productive capacity and business revenue responsibly without compounding debt risks.