Web Summit 2026 · AI business plan module
From idea to a plan the bank can read.
Describe the project. Accacia writes the business plan, builds the financial tables, reviews it as a bank analyst would and finds funding across the CPLP.
How it works
Four steps. No invented data.
- Describe the project
Text, attachments and links feed the project sheet. Every number in the plan stays linked to its source.
- Find opportunities
Funding, guarantees and commercial opportunities across the CPLP, ranked by fit with the project.
- The AI writes and calculates
Plan, tables and a bank-style analysis: NPV, IRR, DSCR, scenarios and a risk matrix.
- Review by a consultant
Ask an Accacia consultant for help: they review the plan and adapt it to the chosen opportunity.
What every plan contains
A complete funding application, in Portuguese or English, ready to hand to the bank.
- 12 tables
- 7 figures
- Bankability analysis
- Warnings before export
Chapters in every plan
- Executive summary
- Introduction and purpose of the request
- The promoter and the project
- Market and sales
- Investment and financing
- Financial plan
- Viability and bankability
- Risk analysis
- Conclusion
Examples generated with Accacia
Eight profiles, eight countries, one module.
Illustrative projects with fictitious data. Choose a profile to see the result and open the plan.
Example for SMEs · Mindelo, Cape Verde
Conservas Monte Cara
New line of gourmet canned tuna for export — expansion of a 9-year-old SME.
- Total investment
- 110,000
- thousands of CVE
- Financing requested
- 66,150
- thousands of CVE
- NPV
- 25,142
- thousands of CVE
- IRR
- 17.4%
- project
- Minimum DSCR
- 1.48
- times
- Payback
- 4.3
- years
Opportunities Accacia found
88% fit
Pró Garante — SME credit guarantee
Guarantee
Covers part of the investment loan of a Cape Verdean SME.
80% fit
Pró Empresa — investment incentives
Grant
Supports SME modernisation and internationalisation.
73% fit
Gourmet food fairs in the EU (trade mission)
Commercial opportunity
Distributors looking for premium canned goods with a known origin.
What Accacia flagged before export
- Cape Verde is outside the beta's tax engine: corporate income tax and VAT proposed by the AI, still to be confirmed.
- EU health certification not yet obtained — this does not block exporting the plan.
Example for startups · Bissau and Bijagós, Guinea-Bissau
FrioMar
Solar-powered cold rooms as a service for fish and fruit — a startup with its first revenue.
- Total investment
- 204.0
- millions of XOF
- Financing requested
- 131.2
- millions of XOF
- NPV
- 10.4
- millions of XOF
- IRR
- 15.5%
- project
- Minimum DSCR
- 1.26
- times
- Payback
- 4.3
- years
Opportunities Accacia found
83% fit
Sustainable Energy Fund for Africa (SEFA) — African Development Bank
Grant / technical assistance
Decentralised clean energy with productive use.
76% fit
Tony Elumelu Foundation Entrepreneurship Programme
Seed capital + training
Early-stage African startups with revenue.
72% fit
European donor programmes for artisanal fishing
Grant
Cutting post-harvest losses at landing sites.
What Accacia flagged before export
- Guinea-Bissau is outside the beta's tax engine: tax figures proposed by the AI, still to be confirmed.
- Landing-site concession under negotiation with the local authorities — this does not block exporting the plan.
Example for universities · Centro Region, Portugal
VitisSense
Low-cost sensors to manage irrigation and disease in vineyards — a university spin-off.
- Total investment
- 480
- thousands of EUR
- Financing requested
- 336
- thousands of EUR
- NPV
- 423
- thousands of EUR
- IRR
- 27.1%
- project
- Minimum DSCR
- 1.67
- times
- Payback
- 3.4
- years
Opportunities Accacia found
91% fit
Portugal 2030 — Productive Innovation Incentive Scheme
Grant / repayable incentive
Productive investment by a new SME in a convergence region.
86% fit
Mutual guarantee for the bank loan
Guarantee
Reduces the personal guarantee asked of the partners, and the spread.
74% fit
EIC Accelerator (Horizon Europe)
Grant + equity
Patented technology with completed field trials; requires a European scale-up plan.
What Accacia flagged before export
- Municipal surcharge (derrama) proposed by the AI at the maximum 1.5% rate — confirm the rate of the head-office municipality.
- Patent licence agreement with the university still under negotiation — this does not block exporting the plan.
- Letters of interest from the three wineries uploaded as sources; the bank may ask for the originals.
Example for incubators · Luanda, Angola
KubaGo
Last-mile deliveries with electric motorbikes — an incubated startup seeking credit to scale.
- Total investment
- 380.0
- millions of AOA
- Financing requested
- 266.0
- millions of AOA
- NPV
- 60.1
- millions of AOA
- IRR
- 23.3%
- project
- Minimum DSCR
- 1.40
- times
- Payback
- 3.3
- years
Opportunities Accacia found
89% fit
Credit Guarantee Fund (FGC)
Guarantee
Covers part of the loan of an Angolan SME with a proven track record.
81% fit
Credit Support Programme (PAC)
Subsidised credit
Subsidises the interest rate on loans to national companies.
72% fit
Angolan Venture Capital Fund (FACRA)
Venture capital
Can strengthen equity before the expansion to Benguela.
What Accacia flagged before export
- Reference exchange rate proposed by the AI — confirm it on the date the plan goes to the bank.
- Goods transport operator licence being renewed — this does not block exporting the plan.
Example for consultancies · São Tomé, São Tomé and Príncipe
Cacau Obô
Bean-to-bar chocolate from organic cocoa — a plan prepared by a consultancy for an SME client.
- Total investment
- 7,350
- thousands of STN
- Financing requested
- 4,410
- thousands of STN
- NPV
- 1,207
- thousands of STN
- IRR
- 19.8%
- project
- Minimum DSCR
- 1.35
- times
- Payback
- 4.0
- years
Opportunities Accacia found
86% fit
IFAD programmes for cocoa value chains
Grant / technical assistance
Support local processing and organic cooperatives.
74% fit
Export credit line from a development bank
Credit
Can fund the working capital for orders to Europe.
71% fit
Origin chocolate shows in France and Portugal
Commercial opportunity
A point of contact with specialist importers.
What Accacia flagged before export
- São Tomé and Príncipe is outside the beta's tax engine: tax figures proposed by the AI, still to be confirmed.
- Organic certification of the workshop still to be obtained — this does not block exporting the plan.
Example for associations · Nampula, Mozambique
Caju de Mogovolas
A cashew nut processing centre for the members — a collective project of an association.
- Total investment
- 42,000
- thousands of MZN
- Financing requested
- 25,200
- thousands of MZN
- NPV
- 248
- thousands of MZN
- IRR
- 20.2%
- project
- Minimum DSCR
- 1.27
- times
- Payback
- 4.0
- years
Opportunities Accacia found
84% fit
Agricultural Development Fund (FDA)
Subsidised credit
Funds agro-processing by producer organisations.
77% fit
Africa Enterprise Challenge Fund (AECF)
Competitive grant
Agricultural projects that raise smallholder income.
70% fit
Development bank agribusiness lines
Credit / guarantee
Can replace part of the commercial loan at a lower rate.
What Accacia flagged before export
- Mozambique is outside the beta's tax engine: all tax figures are proposed by the AI and still to be confirmed.
- The plan uses the general 32% corporate income tax rate; if the 10% agricultural rate is extended, the results improve.
- Pre-agreement with the exporter uploaded as a source; the bank may ask for the final contract.
Example for individual entrepreneurs · Dili, Timor-Leste
Café Ramelau
Roastery and café for Timorese specialty coffee — a sole trader.
- Total investment
- 120
- thousands of USD
- Financing requested
- 84
- thousands of USD
- NPV
- 92
- thousands of USD
- IRR
- 33.7%
- project
- Minimum DSCR
- 1.83
- times
- Payback
- 2.8
- years
Opportunities Accacia found
82% fit
IADE — Institute for Business Development Support
Training / mentoring
Support for Timorese micro and small businesses.
79% fit
BNCTL SME credit
Credit
National bank with credit lines for small businesses.
68% fit
Specialty coffee competitions (Cup of Excellence and similar)
Commercial opportunity
Recognition that opens doors to international buyers.
What Accacia flagged before export
- Timor-Leste is outside the beta's tax engine: tax figures proposed by the AI, still to be confirmed.
- Shop lease not yet signed — this does not block exporting the plan.
Example for large companies · Bahia, Brazil
BioSertão
Biomethane plant from sugarcane residues — a new business unit, with a 10-year plan.
- Total investment
- 52,000
- thousands of BRL
- Financing requested
- 31,200
- thousands of BRL
- NPV
- 148
- thousands of BRL
- IRR
- 11.1%
- project
- Minimum DSCR
- 1.42
- times
- Payback
- 6.9
- years
Opportunities Accacia found
90% fit
BNDES Finem — renewable energy
Long-term credit
Funds large biogas and biomethane projects.
85% fit
Fundo Clima (BNDES)
Subsidised credit
Reduced rates for decarbonisation projects.
78% fit
Decarbonisation credits (RenovaBio)
Additional revenue
Revenue not included in the base plan; it improves the IRR.
What Accacia flagged before export
- Brazil is outside the tax engine in version 1 (tax reform in transition): tax figures proposed by the AI, still to be confirmed.
- Decarbonisation credit revenue not included — the AI suggests confirming eligibility before adding it.
- Environmental installation licence in progress — this does not block exporting the plan.
Illustrative projects · fictitious data · illustrative opportunities.
Want a plan like this for your project?
Ask an Accacia consultant to review your plan, or join the platform waitlist.