Module 12
The Capstone: a costed plan on your Major.
What to farm, on how many hectares, who will buy it, what it costs to get the product there, who works it, how it is financed and what it returns. The course ends with a business you can start.
How the plan comes together
The plan is built in T-CAP-01 Venture Plan Builder, which pulls the results of your Core Course and Major calculators onto one page.
The Toolkit opens with a worked example of two hectares in Chegutu, Zimbabwe, in US dollars. Replace every yellow cell with your own figures. A plan that still carries the example figures is not your plan, and it will not certify.
1Set your land and Major
2Work the Core Course calculators
3Work your Major calculators
4Plan your people and community
5Answer the five plan questions
6Pass all six checks
What the plan shows a lender
The numbers
- Land use: total gross margin per year
- Land use: value if leased out instead
- Start-up capital and the funding gap
- Monthly loan repayment and total interest
- Lowest cash balance in year one
- Farm-gate price from your best buyer
- Break-even volume
- Expected cost of risk per year
- Gross margin with prices down 20% and costs up 20%
- Main enterprise gross margin per unit
- Jobs created and the share held locally
- Total people cost and money reaching the community
The six readiness checks
- Land plan earns more than leasing the land out
- Hectares are not over-allocated
- Cash stays positive through year one
- Expected yield is above break-even yield
- The plan survives the stress test
- Main enterprise gross margin is positive
The plan reads Ready to submit for certification only at 6 of 6.
Plan reads 6 of 6?
Submit it with your certification code and become a RIMAI Certified Agribusiness Professional.
After the plan
Turn it into a funder document
Moeletsi Africa writes your T-CAP-01 results up as a full business plan for a bank, a development funder or an investor.
Take this stepUse your certificate number
Your certificate number is recognised on Musika, Mashofe.com, Moeletsi Africa and Chinyama.com.
What it unlocks