Thread by @retsonbiz

#WEFITWELL: #ROIs are a major component of all forms of commercial Agribusiness particularly when you are dealing with Investors, running a crowdfunding platform & needing 2Rraise money 2Support process operation for the longevity of project. These rates can also kill the project

2. if we are not careful & Tenaciously dedicated. There are about four type of rates. Naivety Rates, Distress Rates, Survival rates and Normalization rates. Every commercial Agribusiness project today is offering one of these four rates and it is a reality that is happening NOW!

3. #NAIVETYRATES: These are rates you offer when you new to agribusiness. You expect everything to work as you have read them on economies and business books. I was here and paid about 100% in 2017. It Will be suicidal and destructive. Those who know will not tell you, they will

4. lend you money & lead you on 2Go & die. The damaging aspect of these rates, is that you will do everything possible 2Make the payments of ROIs 2ensure investors return back, but most will cash out & leave you hanging. Some will wonder why you are complaining about conditions

5. affecting your business while others are paying. These rate make Agribusiness nothing but ponzi scheme or MLM. All startup agribusiness Projects must avoid the naivety rates. They delay progress & stifle growth significantly. If you are not Tenacious, you can't survive them.

6. #DISTRESSRATES: When you are able to survive the #NAIVETYRATES, You them continue the battle with the distress rates. The distress rates are in two phase. one is the reduced rates from your naivety rates and two is the rates you accept just to keep the business going. Most

7. Agribusinesses in Nigeria today will offer to pay any rate to just get going. when the realization of the naivety rates set in, most agribusinesses then scale down rates but are still forced to accept even paying more to ensure that they are able to keep the dream alive.

8. The biggest mistake they then make is not building value but rubbing peter4paul. Agribusinesses must understand that nothing matches #VALUE. Whatever the rates, don't ignore the building of Value in Infrastructure, Machineries, Personnel & Properties. Those are the Foundation

9. of Sustainability over time. The notion that you can have a multimillion Naira agribusiness in the frame of uber or crypto will end up with disaster. The Distress rates are only viable when you are building value & when the road map is all directed towards Progressive Growth.

10. #SURVIVALRATES: Surviving the Naivety rates & the Distress rates will mean your tenacity is legendary. It has nothing 2Do with your business knowledge, it has everything 2Do with commitment, dedication & insane optimism. Survival rates are usually half of the Naivety rates

11. and way lower than the distress rates. This phase of your agribusiness would have seen significant value addition, process understanding and more importantly management confidence in the direction of your agribusiness. It is survival rates does not mean you have survived.

12. The critically important point to note here is that the Killer investors will become uncomfortable when you get here. They will move on to Startups offering the Naivety rates and this is why I always say that not all agribusinesses that go belly-up do that intentionally.

13. #NORMALIZATIONRATES: This is when you have crossed the red seas and you can see clearer. This is when you begin to ask the question, How did I offer 100%, 50%, 40% when what I should have reasonably offered was 20% or less & 4A minimum of 3-5years for the return of Capital?

14. The facts are simple. When you are seeking investments, almost All funds Are good funds even when the devil offered it. When you are attempting 2build value, nothing offered is 2bad until when you are ready 2Repay. 2Many investors in Nigeria operate with the miracle mindset.

15. This is why it is important for govts & the @MBuhari has done significantly well, 2invest in infrastructure so that agribusinesses owners don't have that burden. It is important for Govts 2Lend at below 10% so Agribusinesses will not be going for rates that are Demonic.

16. Lastly, it is not every agribusiness that is struggling that are not sincere. The challenges of doing business in Nigeria can be generally distressing but With Opportunites. As #JamesClear Noted Perfectly" You can either be a Genius or you can be patient."

#NIGERIAGOWELL!