Rather than treating finance as a standalone problem, the article shows how financial constraints are deeply linked to operational readiness, quality systems, and transparency. Exporters that lack clean financial reporting, certified processes, and predictable cash flows are perceived as high-risk — even when their products are competitive and demand is secure. The article then moves from diagnosis to solutions. It outlines what is already working, including blended finance structures, credit guarantees, export credit agency support, receivables financing, fintech platforms, and buyer offtake agreements. It also provides practical, exporter-focused guidance on pricing hidden costs correctly, managing risk, improving lender readiness, and structuring investments in stages rather than all at once.

African exporters of agricultural and agrifood products often purchase raw materials locally in their domestic currencies (such as CFA franc, Naira, Cedi, Shilling, etc.) and sell internationally in US dollars. But when the US dollar weakens against African currencies, it has major consequences on profitability and competitiveness. Understanding this dynamic — and adjusting strategy — is critical to staying resilient and profitable.

In recent years, the global trade of fresh fruits has seen a significant rise, driven by increasing demand for exotic and seasonal produce. However, this growth has also attracted fraudulent activities, particularly targeting exporters who rely on Payment Against Documents (PAD) for air cargo shipments. PAD, while convenient, presents unique vulnerabilities due to the rapid transit times of air freight, which often outpaces the verification of payment. This creates a window of opportunity for fraudsters to exploit unsuspecting exporters, leading to substantial financial losses. This article delves into the critical risks associated with PAD transactions for fresh fruit exporters, explores real-world fraud cases, and provides actionable strategies to safeguard your business. By understanding these risks and implementing robust preventative measures, exporters can protect their assets, maintain profitability, and build trust in international trade relationships.