Focusing on financial solutions for SMEs – News


Javela Macalalad, Group Vice President, Yield 4 Group of Companies

Released: Friday, June 17, 2022 at 10:33 am

Last updated: Friday, June 17, 2022 at 10:35 am

Small medium-sized enterprises (SMEs) are the backbone of our economy, but often face harsh conditions and criteria imposed by banking institutions. Deals are often urgent for importers and contractors, but requirements such as the provision of financial guarantees have created a real bottleneck in completing their deals.

Yield 4 Finance, a subsidiary of the Yield 4 Group of Companies, has a vision to help clients collaborate with their trading partners and helps SMEs succeed by providing access to financial guarantees such as Letters of Credit (DLC) and Bank Guarantees (BG) , Standby Letter of Credit (SBLC) and Pre-Advise Messages. The main goal of the company is to help thousands of importers and contractors worldwide in sourcing banking instruments. The company aspires to revolutionize the trade finance industry and become the leading and leading provider of financial solutions to its clients worldwide.

“We want to offer our consumers fast and customer-oriented terms as an alternative to the bureaucratic and lengthy traditional ways that are commonly used. Especially for micro, small and medium-sized enterprises (MSMEs) in emerging markets and unbanked areas when financial tools are needed to facilitate imports and projects,” said Javela Macalalad, Group Vice President, Yield 4 Group of Companies.

Under Macalalad’s leadership, the group has expanded its reach and continues to innovate strategies to create a more inclusive global financial environment. The company is backed by renowned partners such as Micro Capitals Bank, Sigma Financial Solutions, United Trust Bank and Acumen Bank. Sigma Financial Solutions, which has expanded beyond trade finance, is regulated and licensed by the Central Bank of Zambia. It offers a wide range of modern banking services including offshore account openings and money transfers, fixed deposits, trade finance, microcredit and prepaid debit cards, among others. The company has grown into a one-stop shop for all financial needs thanks to its preferred partner institutions.

Above all, the company recognizes the valuable time and urgency, especially when MSMEs and SMEs are struggling to gain a foothold in a highly competitive market. One of Yield 4 Finance’s value propositions to its clients is to reduce the time spent on paperwork and processing. The company seeks to facilitate its customers’ transactions while taking the risk of going global – so they can focus on their core business, safe in the knowledge that they have a trusted partner conducting a transaction.

Yield 4 Group of Companies has a team of specialists who are knowledgeable about financial matters and up to date with the latest developments in the field of financial guarantees, and everyone is ready to help you wherever they are.

Sanjeev Chadha, Chairman of the Yield 4 group of companies

Sanjeev Chadha, Chairman of the Yield 4 group of companies

The board consists of finance professionals, CPAs and executives from companies who oversee multiple functions in various offices worldwide. The group thrives under the leadership of group chairman Sanjeev Chadha, who is always looking for ways to simplify banking and make it more accessible. A passionate entrepreneur, Chadha bases his leadership on his passion and selfless mission to help others. As such, he leads work on innovative products and the creation of other partnerships to support trade flows and development projects.

Yield 4 Finance’s reach has expanded to own offices in centers such as London, Spain and Zambia. While the company achieved rapid growth, it simultaneously improved and expanded its team in Dubai and in India. In addition, the company is constantly acquiring partners in emerging and attractive markets, which leads to increased brand awareness. The company’s success is evident in hundreds of substantive collaborations with leading advisors and finance professionals who effectively market our services to their respective consumers and geographies. The company is also expanding its offices in key trade centers to meet customers face-to-face and build a strong network of partners and customers who can experience world-class service.


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