Frequently asked questions
Answers to common questions about Inkludo’s approach to inclusive finance.
What is the "missing middle"?
What is a first-loss guarantee, and how does it work?
What's the difference between a grant, a loan, and a guarantee?
Why won't banks lend to many enterprises?
What is additionality, and how do you know a guarantee actually changed anything?
What are the risks of guarantees, and how are they prevented?
How is GEAR different from CGTMSE or other government guarantee schemes?
Why not just lend directly to the enterprise myself, instead of guaranteeing through Inkludo?
How does the cross-border structure work?
How does $1 of guarantee capital turn into more loan funding?
What happens if a guaranteed loan defaults?
Does the guarantee provide a financial return, or do I get my capital back?
What size loans does GEAR enable, and why debt instead of equity?
What sectors and geography does GEAR focus on?
How do you ensure the right enterprises get the loan?
Is access to a loan the only benefit of the guarantee?
Who is Inkludo, and can my DAF, foundation, or CSR fund participate?
Empowering social enterprises to build resilient communities through strategic guarantees and acceleration.
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Building sustainable impact, one enterprise at a time.