Nana Bambi's

Dear Grace,

I am writing to put something to you properly, in writing, so you can think it over with a clear head. What I have in mind for you is not an ordinary staff job — it is a partnership that keeps your own business yours while tying it to something steady.

As you know, we are still in the planning and design stage and I arrive in September 2026. As the plan has firmed up, one thing has become very clear: the heart of the operation — the manufacturing, the processing, the cold chain, and the dispatch of everything that moves — now sits at Agrupacion, separate from the retail hub. That separation is deliberate. It is cleaner for tax, and it gives us one clear place where raw product comes in, gets value added, and goes out. That place needs one person watching every peso in and every peso out, and financing the supply that feeds it. I believe that person is you.

What I am asking you to run

Two jobs, both at the Agrupacion dispatch office, and they are really the same instinct:

• Cost watch. You log what comes in and what ships out, you track the cost of processing and manufacturing against what it sells for, and you flag any margin leak before the month closes. Your figures roll up once a month into the formal books.
• Micro-finance. You lend — in small amounts — to the farmers, fishers and growers who supply us, in a way that brings the loan back as product instead of as a cash repayment.

The part that matters most — it stays your book

I want to be very plain about this, because it is the whole point. The micro-finance book is yours. Your capital, your business, your name on it. We are not putting our money into your lending and we are not telling you how to run it. You bring the capital and you carry whatever lending registration the law requires.

So the arrangement is simple and clean on both sides:

• Your books show your loan capital, your lending margin, and your own tax and registration.
• Our books show only that we bought good product at a fair price, and the contract that promised it. We never charge interest and we never touch your loan ledger.

How the lending actually works

The cleverest part is how repayment comes back. Instead of charging a farmer interest — which traps people and looks ugly in a community we are trying to lift — the cost of the money is simply built into the price.

The same idea covers the rest of what you would do: advancing inputs against future delivery, floating cash to pay a fisherman on the spot at dawn while the hotel that buys his catch pays us later, financing growers to produce for us specifically, and quietly keeping our customer tabs honest.

Why this is good for you

Grace, lending is hard because of one thing above all — getting paid back. This arrangement hands you the answer to that on day one. Every borrower we send you is a borrower with a guaranteed buyer. You get a steady pipeline of farmers and fishers, the security of our offtake behind every loan, and you keep your margin. You are not our employee in this — you are our partner, and your business grows alongside ours without ever being swallowed by it.

What happens next

Nothing here is locked, and nothing is signed at a handshake. If this interests you, the next step is simple: our lawyer, Anj, draws up the anchor and offtake agreement that puts all of the above in proper writing — what we promise to buy, at what kind of price, and how your book and ours stay separate. She also engages the accountant who keeps our formal books, so the two sides reconcile cleanly each month.

As a rough starting shape only — small loans to begin, perhaps ₱5,000 to ₱20,000 a borrower, on cycles that match the crop or the animal. You would set the terms of your own book; we only ever set the price we will pay for the product.

In closing

I am not offering you a desk and a wage. I am offering to be the steady ground under a business that is already yours — and in return you give our cold chain the one thing it cannot run without, a reliable flow of good product from farmers who trust the person financing them. If you succeed, we succeed. That is genuinely how I see it.

Please speak with Aileen about anything you want to clarify — she carries my full trust and speaks for both of us — and Anj can walk you through the legal side whenever you are ready.

I look forward to sitting down with you when I arrive in September 2026.