Financial Access is a financial services firm, focused exclusively on emerging markets and developing economies. We provide advisory and financing services and our emphasis is on designing, developing and delivering MSME finance, agrifinance and supply chain finance solutions that last. Our clients include (impact) investors, banks, microfinance institutions, international donor organisations, development finance institutions and private companies. We work closely with a number of global partners and have a strategic global alliance with SEAF.

We originate from the ING Group and were taken private in 2007. Our background is in essence operational, and we have successfully executed more than 250 assignments in over 40 countries. We aim to create sustainable impact and maintain environmentally and socially responsible financing, governance and advisory standards.

We are headquartered in Amsterdam and have operational offices in Jakarta, Bangkok, Nairobi and Kampala.



1) We provide tailored advice in combination with practical solutions that aim to create measurable impact.

  • We advise and support financial institutions to improve their operational efficiency, risk management and financial performance
  • We provide data analytics and customised IT solutions, including data collection, financial modelling, workflow management and credit scoring tools
  • We offer due diligence and investment support to banks and (impact) investors
  • We deliver training to develop and improve financial, management and technical skills


2) We realise access to finance to unbanked or underbanked people and businesses.

  • We structure and facilitate financial sector investments in challenging markets
  • We identify investment opportunities and develop investable business cases for investors in the MSME and agriculture sectors
  • We design, arrange and execute financing for smallholder farmers inagricultural supply chains
  • Through FACTS, we provide supplier and distributor finance to SMEs in the food, agriculture and healthcare sectors in Africa







Jan Cherim – Partner

Jan Cherim is the Chairman of Financial Access Capital Partners B.V. and co-founder of Financial Access. He has been active as an international banker for more than 20 years, based in London, Amsterdam, and the Far East. An emerging markets specialist, he has served clients in all regions and has deep first-hand expertise in Europe, Asia, the Middle East, Africa and the Caribbean. Mr. Cherim was a Management Committee member of ING’s Wholesale International unit, Country Manager in Thailand, Regional Manager for Africa, and Global Head of products & services for Financial Institutions. He also launched ING’s first institutional emerging markets debt fund, and developed private equity and asset management ventures in Poland, China and Thailand. Read more

Peter van der Krogt – Partner

Peter van der Krogt is the Chairman of Financial Access Capital Management B.V. and co-founder of Financial Access. He is focused on the firm’s Banking Advisory and SME Finance activities, particularly in East Africa. He has over 30 years of experience working with private and public financial institutions, including the Dutch Ministry of Finance and the World Bank/IFC in Washington, DC. In 1989 he joined ING Bank and worked mostly in Emerging Markets. During his career within ING Bank he held senior management positions in wholesale banking in the Philippines and Russia, responsible for corporate banking and structured & project finance.  From 1999 until 2002 he was led the restructuring and repositioning of Lippo Bank as Project Manager, one of the largest private banks in Indonesia, into a modern Retail and SME bank.  Read more

Eelko Bronkhorst – Partner

Eelko Bronkhorst is the Chairman of Financial Access Consulting Services B.V. and joined Financial Access as Partner in 2009. He has extensive experience in international finance, management and building businesses in the financial sector. Mr. Bronkhorst has the expertise and unique ability to develop and successfully implement new initiatives and innovative approaches for financial institutions in challenging markets. Mr. Bronkhorst is particularly active in the Micro and SME finance area, where he supports investors to scale up, transform and professionalize their operating businesses. Before joining Financial Access Mr. Bronkhorst has worked in various commercial and senior executive roles for ABN AMRO Bank in The United States, Asia and Europe. As Country Head for ABN AMRO in Korea he was instrumental in transforming the bank during Asia’s financial crisis in the late 1990’s. Read more

HQ Amsterdam

Kyle Mota – Head of Finance & Operations

Kyle Mota joined Financial Access Consulting Services B.V. in 2014 as Finance and Operations Manager. Graduated with (BSc) Economics and (MSc) International Finance from Montreal’s McGill University, he was involved in several international assignments as project assistant controller in the marketing and advisory field with Deloitte Consulting.

Mr. Mota has worked on a joint venture project for Deloitte and Telefónica Group (ES) in São Paulo, Brazil, as representative executive assistant from Deloitte Canada to Deloitte & Touche in Paris, at Ernst & Young, Shell in the Netherlands and Total SA in France. His financial research for the United Nations earned him the title Honorary European Ambassador. Mr. Mota speaks French, English, Portuguese, Spanish and Dutch.

Edoardo Cavallo

Edoardo Cavallo – Associate

Edoardo Cavallo is an Associate at Financial Access Consulting Services B.V.. He has expertise in financial sector assessment, transaction advisory and financial modelling as well as on credit risk management. Recently, he has been involved in the design of numerous smallholder financing program  aimed at improving sustainability across commodities value chain and the development of a smallholder credit scoring tool.

Mr. Cavallo holds a dual master in International Management from Bocconi University and in Finance & Investments from Rotterdam School of Management and is CFA Level II candidate. He is fluent in Italian, English, French and competent in Spanish.

Mei-Mei van Dorth tot Medler – Associate

Mei-Mei van Dorth is an Associate at Financial Access Consulting Services B.V. She is mainly involved in (agri)finance project management, business development and conducting research activities in the area of MSME finance and agrifinance. She has a Bachelor’s Degree in Business Economics and a Master’s Degree in Contemporary Asian Studies (social sciences) from the University of Amsterdam. She has built particular expertise in the combination of development economics and social sciences.

Ms. van Dorth has extensive field experience and conducted research in Indonesia on the financial behavior of smallholder farmers and supported the optimization of the supply chain of an organic chocolate producer in Bali. Ms. van Dorth speaks Dutch, English, French, Spanish and Bahasa Indonesia.

Andrea Almanzar – Finance Manager & Controller

Andrea Almanzar joined Financial Access in 2017 as Finance Manager and Controller of Financial Access Capital Management B.V. and is based in Amsterdam. She is responsible for the Management Information and communication of financials to financiers and internal clients. Having worked in Colombia and in The Netherlands with medium and large companies in diverse sectors, her work experience is diverse.

Mrs. Almanzar holds a Bachelor’s Degree in Finance and International Business from the Universidad Externado de Bogota and a Master in Marketing from the Universidad EAFIT de Medellin. She is fluent in Spanish, English, Dutch and competent in German.


Praveen Jolly – Investment Associate

Praveen Jolly is the Investment Associate for Financial Access Capital Management B.V. He joined in 2016 as Program Evaluation and Internal Audit for one of their largest project Finance 4 Agriculture (F4A). Apart from assisting the Finance and Operations Head, he is responsible for drafting, negotiating, analyzing, executing the contracts/agreements and finalizing the term sheets with the financiers besides maintaining the legal database of the company.

Mr. Jolly holds a master’s degree of Laws (LL.M) Finance and Law from Duisenberg School of Finance, Amsterdam, a bachelor’s degree in Commerce and a bachelor’s degree in Law, both from University of Delhi. He is a registered lawyer with Bar Council of Delhi and has experience in accounting, financial modelling, legal research and reporting. Mr. Jolly is fluent in English and Hindi.

Sophie Klinghammer – Analyst

Sophie Klinghammer joined Financial Access Consulting Services B.V. in 2017 as an Analyst for financial advisory services. She is mainly involved in analytical, market and client research in the MSME finance and (agri)finance sector. In addition, she is responsible for project management and implementation support. During her Master’s, she conducted extensive econometric analysis on household expenditure behaviour related to economic development.

Mrs. Klinghammer holds a Master’s degree in Development Economics from the University of Amsterdam and a Bachelor’s degree in Economics and Business Administration J-W-Goethe University Frankfurt/Germany. She is fluent in English and German, and competent in French and Spanish.


Nairobi Office

Maarten Susan – CEO, FACTS East Africa

Maarten Susan is the CEO of FACTS East Africa B.V., based in Nairobi. He manages the Kenya office, oversees business development for East Africa and leads our Agri-finance and Rural Banking programmes known as finance for agriculture (f4a) in Kenya and Uganda (www.f4a.co.ke). In addition he serves as Managing Director of our Supply Chain Finance company called eBiashara Africa Limited (ebiashara.com).

Mr. Susan has close to 30 years of financial sector experience. He started his career with ABN AMRO Bank in the early 1980s and worked for the bank in various commercial banking roles throughout Asia Pacific, North and South America as well as Europe. Read more

Dominic Kinuthia – Assistant Manager, Agri-finance Solutions

Dominic Kinuthia is the Assistant Manager of Agri-finance Solutions for FACTS East Africa B.V. and is based in Nairobi, Kenya. Since 2008 to early 2013, he worked at Equity Bank Ltd in various positions, including Senior Relationship Officer for credit agriculture and Relationship Manager for credit agriculture where he worked with the Agribusiness marketing department to manage and financing relationships in various value chains including the livestock, leather, and food crop value chains.

Mr. Kinuthia has also been heavily involved in research and the development of Agri-products for Equity bank, Rwandan subsidiary. In 2013, Mr. Kinuthia moved on to work with Chase Bank as Relationship Manager Agribusiness for Nairobi and Central region which was just beginning their Agribusiness department.

Elizabeth Okunda Kabui – Manager, Marketing & Communications

Elizabeth Okunda Kabui is the Manager, Marketing and Communications at FACTS East Africa B.V in Nairobi. She has over 10 years of experience in the marketing field having served in various capacities. Before joining Financial Access in 2014, Mrs. Kabui was resonsible for marketing and research at the Commercial Bank of Africa, which launched M-Shwari, a mobile-banking solution that has revolutionized banking and enhanced financial inclusion in Kenya.

Mrs. Kabui holds a Bachelor of Commerce (Marketing) degree from Kenyatta University and is currently pursuing her Masters in Communication at Daystar University. She is a member of the Marketing Society of Kenya (MSK) and the Chartered Institute of Marketing (CIM).

Michelle Maloba – Assistant Manager, Finance

Michelle Maloba is the Assistant Manager, Finance for the Nairobi office at FACTS East Africa B.V. and is based in Nairobi, Kenya. Before joining the f4a programme, Ms. Maloba worked in various capacities in both profit and not-for-profit sectors; gender awareness, public health and manufacturing. A professional accountant with a keen interest in Development Finance, she is an effective change-agent having developed and executed numerous finance and control systems throughout her working life.

Ms. Maloba has a Bachelor of Commerce (Finance) degree and Certified Public Accountant (Kenya) qualifications both from Strathmore University.

Peter Ndirangu – Finance Officer

Peter Ndirangu is a Finance officer at FACTS East Africa B.V.’s Nairobian office. Before joining Financial Access, Mr. Ndirangu worked in various organisations as an Internal Auditor of Saam Kenya and as an Accounts Clerks with Karen Auto Mart.

He has a B.Sc. in International Business Administration from the United States International University in Africa and is a Certified Public Accountant. He is currently taking the course Certified Information System Auditor (CISA) at the Strathmore University in Nairobi.

Caroline Mwai – Administrative Assistant

Caroline Mwai is the Administrative Assistant for FACTS East Africa B.V., she is based in Nairobi. Before joining Financial Access, Ms Mwai worked with different organisations in various capacities; most recently as an office administrator at a Human Resource recruitment firm. She has also worked as a Personal Assistant to a registered land/soil and water engineer where she was also in charge of customer service.

Ms. Mwai holds a diploma in Customer Service from Wisemen Trainers & Consultants and is currently pursuing a diploma in Human Resource Management at Kenya Institute of Management.

Gladys Lagat – Operations Associate

Gladys Lagat joined FACTS East Africa B.V. in 2015 as an Operations Associate and is based in Nairobi, Kenya. She is mainly involved in portfolio and client management, collections and monitoring daily transactions. Ms. Lagat has worked in the banking and micro-finance sector, as a credit officer and has in depth knowledge of performing credit and collections functions. She also been involved in developing and implementation of risk management policy. She has a Bachelor of Commerce (Finance) degree from Kabarak University.

Ms. Mwai holds a diploma in Customer Service from Wisemen Trainers & Consultants and is currently pursuing a diploma in Human Resource Management at Kenya Institute of Management.

Eric Macharia – Operations Associate

Eric Macharia is an Operations Associate at FACTS East Africa B.V. in Kenya and involved within the finance, risk and marketing department. He joined FACTS in 2016 as a finance intern. Prior to this, Mr. Macharia has executed various roles in both, the banking and insurance sector, building on his background in financial and risk management. His expertise lays in the conduction of in-depth compliance and credit risk analyses, reviewing financial data and evaluating credit risk analysis.

Mr. Macharia holds a degree in Actuarial Science from the Dedan Kimathi University of Technology, Kenya and a bachelor’s degree in Commerce (Finance) from Jomo Kenyatta University of Agriculture and Technology, Kenia. In addition, he is finalizing his CPAs. Mr. Macharia is fluent in English and Swahili.

Isaac Ndutumo – System Administrator

Isaac Ndutumo is a System Administrator for FACTS East Africa B.V. and is based in Nairobi, Kenia. Before joining FACTS, he was worked in various organizations as System Administrator.

Mr. Ndutumo holds a bachelor’s degree in Telecommunication and Information Engineering from the Dedan Kimathi University of Technology, Kenya and is a Certified Oracle Associate as well as Oracle Certified Professional trained.

Noel Munyae – IT Administrator

Noel Munyae is the IT Administrator for FACTS East Africa B.V. and joined the team in 2017. He is currently specializing in Infrastructure and Systems Administration. Prior to joining FACTS Africa, Noel worked with different organisations in various capacities; most recently as Technology Support Assistant.

He holds a Degree in Information Technology from the Jomo Kenyatta University of Agriculture and Technology, Kenya and is further certified in Cisco Certified Network Associate (CCNA), ITIL v3 and a certified Microsoft Certified Solutions Associate (MCSA).

Immaculate Ochieno Nasimiqu – Risk Manager

Immaculate joined FACTS East Africa in 2016 as Risk Manager, based in Nairobi. She is mainly responsible for credit appraisal of clients before on-boarding, credit management and operational risks. Her duties include ensuring that credit limits are set in line with set policies as well as preparing legal agreements with clients before financing.

Mrs Nasimiyu holds a master’s degree in International Business from the University of Nairobi, a Diploma from Kenya Institute of Management and a bachelor’s degree in Food Science and Technology from Egerton University. She is fluent in English and Swahili.



Uganda Office


John Ssali – Manager, Agri-finance Solutions

John Ssali is the Manager, Agrifinance Solutions for Financial Access (East Africa) Ltd. Kenya and is based in Kampala, Uganda. With close to 12 years of Agricultural finance sector experience, he worked for the Centenary Bank in various roles as an Agricultural Credit Officer, Commercial Loans Officer and Senior Credit Analyst and at Pride Microfinance (MDI) as Manager Credit Agricultural Lending. He started the Agricultural lending unit, developed an Agricultural lending manual, brought on board several development partners and managed the quality growth of the Agricultural loan book.

He has designed and executed several training programmes for various institutions in Uganda and Kenya based on the training needs of the respective institutions. Mr. Ssali John holds a bachelor’s degree in Agriculture (Economics) from Makerere University, Kampala and a Certificate in Agricultural Finance from Kenya School of Monetary Studies.

Blessing Nakalema Aisha – Assistant Manager, Supply Chain Finance

Blessing Nakalema Aisha is the Assistant Manager, Supply Chain Finance for FACTS East Africa B.V. and is based in Kampala, Uganda. She has more than 9 years of experience in the Trade Finance and Operations field and worked at Stanbic Bank’ head office in Kampala in multiple positions, at Standard Bank of South Africa and at Stanbic Bank Tanzania Limited.

Ms. Nakalema Aisha holds a master’s degree in Business Administration as well as a bachelor’s degree in Social Work and Social Administration. She speaks English, Luganda, French and Swahili.



Jakarta Office

Irianto Kusumadjaja – Managing Director, Kreditek Financial Access

Mr. Irianto Kusumadjaja is the Managin Director of Kreditek Financial Access, our Fintech company established in Indonesia in 2017. Prior to this, he worked at Financial Access as Senior Advisor, Agrifinance Solutions. Mr. Kusumadjaja is based in Jakarta, Indonesia, and has over 25 experience in IT-­ and Financial Institution sectors covering Banking, Multi Finance, Payment systems, Micro Lending. He has extensive experience in Banking business development, with a particular focus on micro lending and the development of “Value Chain Financing” models. As a previous IT-­manager at Bank Andara, he has built extensive knowledge of IT infrastructure, design, development, consolidation, mobile banking, (mobile) payment systems and Micro Insurance Payment. Mr. Kusumadjaja is fluent in Bahasa and English.


Mohammad Nursholiqin –  Agriculture Finance Analyst

Mohammad Nursholiqin joined Financial Access in 2017 as Agriculture Finance Analyst, based in Jakarta, Indonesia. He is responsible for the coordination of data collection, monitoring and coordination activities, as well as research activities on the development of sustainable smallholder business activities. He has built particular expertise and knowledge on agricultural value chains targeting smallholder farmers in a.o. palm oil, soy, rice and spice sectors in Indonesia and has experience as field coordinator for various international organizations, such as AgriProfocus, Oxfam and Mercycorps.

Mr. Nursholiqin has a Bachelor Degree in Socio-Economic History from the Sebelas Maret University of Surakarta, Indonesia. Mr. Nursholiqin speaks Bahasa Indonesia and English.


Yudha Aditamaputra – Trainer and Technical Assistant

Yudha Aditamaputra joined Kreditek Financial Access in 2017 as trainer for financial services technology, especially regarding software adoption and is based in Indonesia. He is an expert for organizational structure and user experience and in designing business processes. He also has knowledge in software implementation, software development and technical assistance.

Mr. Aditamaputra has a Diploma’s (D3) degree in Informatics Management from Politeknik Negeri Jember, Indonesia and holds a bachelor’s degree in Economics Management from the University of Moch. Sroedji Jember, Indonesia. He speaks Bahasa Indonesia and English.

Ownership and Governance

Financial Access Capital Partners B.V. (FACP) was registered in 2006 and is today majority-owned by the Partners and senior staff of FA.  FACP serves as the holding company for all our activities and owns 100% of Financial Access Consulting Services B.V.   Transactions listed in our Track Record section prior to December 2006 were executed by ING Advisory Services B.V., a subsidiary company of ING Bank N.V., Amsterdam. Pursuant to a Letter of Intent closed in November 2006, this business was substantially transferred to FACP, in a management buy-out (“MBO”).   This transaction was developed in full co-operation with ING, in order to facilitate certain institutional clients.  The Agreement with ING provided for the continuation of this specific advisory business as “Financial Access”. The new entity acquired  the exclusive external rights to the use of the collective track record of the business, as well as various tangible and (proprietary) intangible assets, as well as staff.   The MBO was supported by the Small Enterprise Assistance Funds Inc. (SEAF), based in Washington, D.C. SEAF is an emerging markets investment manager dedicated to SME financing worldwide, with investment teams on the ground in some 15 countries.  SEAF and FACP work together intensively in the SME financing area globally. For more details on SEAF’s business see www.seaf.com.    

Sustainability and anti-corruption policy Whilst corruption and bribery are global problems, in emerging markets they present especially substantial threats to good governance, sustainable development, the democratic process and fair business practices. Bribery and corruption undermine attempts to achieve higher levels of economic and social welfare and impede efforts to reduce poverty. Corrupt practices also lead to loss of confidence in the rule of law and undermine domestic and international investor confidence in both the public and private sectors. Financial Access Partners and staff are committed to contribute to combating and preventing bribery and corruption in the public and private sector. Financial Access wants to ensure that its staff, clients and counterparties adhere to the highest ethical standards. Enforcing standards in business is a part of our commitment to sustainability overall.  See the Sustainable Finance page.


Milestones in our development
2012-2013 -2014 Field Offices opened
Financial Access cements its regional focus with the opening the Asian regional office in Bangkok, Thailand (2012) Nairobi, Kenya (2013) and Kampala, Uganda (2014)
2011- 2013 –Financial sector expertise exchange programmes
Developed for Indonesia (2011/12) and Kenya/East Africa (2012/13) demonstrate FA’s capacity to build exciting new partnerships with a range of Dutch, international and local institutions in support of a private sector response to the needs of better banking and financing techniques in emerging markets.
From 2011 - Renewed focus on MSME specialised financing
In co-operation with founding shareholder SEAF, the IFC and other partners, FA develops new specialised activities and advisory capacity in the micro- and SME financing area, building on the firm’s long experience with SME banking.  Agri-finance, renewable energy, and private health care are particular examples.
From 2011 - Sustainable Finance focus
FA develops a dedicated capacity to support banks and other clients in the development of environmental and social risk management frameworks, as well as sustainable financing tools and products in the renewable energy and agricultural supply chain areas.
2008-2010 - Financial Crisis
The effects of the crisis are dramatic on financial sector and advisory businesses in Europe. Banks in Kazakhstan and Ukraine collapse en masse, and large-scale banking restructurings follow in many countries. FA refocuses it’s business on Africa and Southeast Asia, acting in important instances for financial sponsors (DFIs or PE investors) interested in taking advantage of new opportunities for market entry.
2006-2008 - CEE resurgent
Financial Access re-establishes its franchise as an independent company owned by management and SEAF; is 2 years running the leading EBRD advisory contractor in the Netherlands.  Major projects in Armenia, Azerbaijan, Kazakhstan, Russia and Ukraine.
2005-2006 – From ING to Financial Access
ING re-focuses its wholesale banking business on core markets and activities, mainly in Europe. Emerging market financial sector business is restricted generally, reducing the strategic logic for maintaining a financial sector advisory capability. In order to continue facilitating clients, the ING’s FI advisory activities are transferred to existing management, supported by SEAF in a management buy-out. The business continues, in new form and with a broader focus, as “Financial Access Capital Partners” from January 2007.
2001- Fear displaces opportunity post-9/11
The cross-border financial institutions business of internationally-active banking groups is heavily impacted by the passage of the USA Patriot Act and Sarbanes-Oxley Act, along with heightened requirements for anti money-laundering and anti-terrorist financing measures. These developments substantially raise the cost of doing financial sector-related business in emerging markets for major banking groups and heralds a period of generalised retreat from emerging markets FI business for American and most European banks.
2000-on - Post-Asian crisis
The introduction of IFRS & Basel II – and the associated capital management, market and operational risk requirements provide further impetus to growth in specialised areas of risk management. Interim management services are added to ING’s advisory business.
1997-1999 – The Asian & Russian financial crises
The Asian & Russian financial crises lead to a dramatic rise in demand for bank restructuring and (re-)privatisation. ING’s consulting business grows rapidly, particularly in Asia, as a part of the corporate finance practice in the financial sector. ING’s FI advisory work is re-focused on direct mandates from commercial clients in the areas of institutional development for commercial banks, as well as postbank development. A pensions and insurance element was added from 1997.
1990s - Internationalisation
Through the 1990s, ING develops an impressive track record in the provision of assistance to donors, governments and financial institutions, primarily in central and eastern Europe. Diversification to Africa, Latin America and the Caribbean develops during this period.
1989 — Eastern Europe opens
The fall of the Berlin Wall prompts a wave of requests from official sources to Western financial institutions to assist in the transformation of former Eastern Bloc banks and insurers into properly commercial institutions. ING participates in several of these initiatives in banking and post-banking, and consolidates this new financial sector consulting business as a legal subsidiary of ING Bank.