Tenders Are Invited For Technical Assistance To Support The Development Of A Financial Product For Social Enterprises (Early And Growth Stage)

Tenders are invited for Technical Assistance to Support the Development of a Financial Product for Social Enterprises (Early and Growth Stage) Closing Date: Friday, 24. Jul 2026 Intervention Sector(s): Training & Capacity Building Remuneration range: 4000 to 5000 (USD) Duration of Contract: 2 Months The objective of this assignment is to design and operationalize a market-relevant, tailored loan product for Social Enterprises, addressing both early-stage and growth-phase financing needs, aligned with Al Majmouas operational and risk framework.The assignment focuses specifically on social enterprises at their early-stage and growth phase, and who typically lack collateral, credit history, and stable cash flows, making them underserved by conventional microfinance products. The ultimate purpose is to enable social enterprises to transition from grant support to responsible and sustainable access to finance, thereby supporting income generation, job creation and sustainability.The assignment will encompass the design, pilot, and rollout of the proposed social enterprise financial product, while ensuring alignment with existing lending methodologies, risk management practices, and operational systems, and to support effective and sustainable implementation.The consultant will support the development of a social enterprises-responsive financial product that balances accessibility for youth with prudent risk management for the MFI.In particular, the consultant will be recruited to support Al Majmoua to:- Present the Social Enterprises financing needs, barriers and capacity to access finance to inform the loan product design. - Identify, adapt or develop a financial product adequately fitting the needs of Social Enterprises - Train the credit officers Activities and scope of workThe consultant will work under the direct supervision and support of Al Majmoua in providing technical assistance to Al Majmoua in the following areas:1.Present the Social Enterprises needs, barriers and capacity to access finance.The consultant will quickly assess the specific financial needs (working capital, CAPEX, blended finance), constraints (regulatory, financial, social and market-related) and risk profiles of early stage and growth stage Social Enterprises.The assessment will include desk review, interviews with 3 key stakeholders and 2 Focus Group Discussions (FGD) with Social Enterprises. The assessment will examine Social Enterprises preferences related to loan size, grace periods, repayment flexibility, pricing, guarantees, and complementary support, and will identify promising sectors for youth-led start-ups, including digital, green, and innovative services. The market assessment will be conducted in close collaboration and engagement of Al Majmoua.2.Social Enterprises financial product design and OperationalizationThe consultant will develop a detailed financial product prototype for Social Enterprises based on agreed criteria with Al Majmoua and the level of risks the Institution is ready to take, covering:- Appraisal criteria to measure the investment preparedness of Ses, noting that the eligibility criteria for SEs will build on Alfanars existing SSE eligibility framework that will be shared with the consultant.- Loan purpose, size ranges, tenor, pricing, and grace periods adapted to social enterprises realities- Flexible repayment structures linked to cash-flow cycles- Collateral and/or alternative guarantees, or co-signature mechanisms- Incentive and de-risking mechanisms (e.g., repayment incentives, partial subsidies, performance-based benefits, or blended finance elements) aimed at encouraging timely repayment and reducing perceived risk for Al MajmouaThe financial product (that can include a blended finance solution) will respond to the particular needs of Social Enterprises and will take into consideration early growth phase, irregular cash flows, and limited collateral. The consultant will propose clear eligibility and triggering criteria for incentives, including safeguards to avoid market distortion and will ensure alignment with Al Majmouas lending methodology, Management Information System (MIS), and risk management framework.The design will take into consideration key operational, system, and risk management considerations that may affect implementation, piloting, and scale up. Findings will inform product design and implementation arrangements to ensure alignment with Al Majmouas institutional framework and operational practices.The consultant is expected to: -Adapt Al Majmouas credit methodology to hybrid revenue models and to adjust the loan application template (SE specific) and financial analysis tools (excel-based if relevant)- Adapt end to end loan processing workflows and approval processes with the validation of Al Majmouas Risk committee-Define monitoring and post-disbursement framework and early warning indicators for SEs-Develop the financial impact evaluation framework with KIIs to measure the impact return from the financing: financial and non-financial metrics (social impact, governance).3.Training of Al Majmoua credit officers on the new Social Enterprises loan product.The consultant will deliver a 1-day training to the credit officer to familiarize them with the concept of social enterprises financing, to present the newly developed SE loan product, the new parameters in the adapted loan application and the financial evaluation framework. The objective is for the credit team to feel confident using the SE assessment and lending tools. How to apply Technical and Financial proposals must be submitted electronicallyEach file name must clearly indicate:- Project reference- Applicant nameSubmission email: [email protected] Late submissions or incomplete proposals will not be considered. Questions and requests for clarification regarding this ToR must be submitted in writing to [email protected] no later than Friday 17th of July 2026. Answers will be shared with all prospective applicants to ensure transparency and equal access to information. Tender Link : https://daleel-madani.org/civil-society-directory/lebanese-association-development-al-majmoua/calls/technical-assistance-support-development-financial-product-social-enterprises-early-and-growth-stage