We support our clients in developing and evaluating investment opportunities that promote financial inclusion for individuals and businesses traditionally excluded from the formal financial sector. These include both:

The unbanked working poor, and the “missing middle” — small and growing businesses that are underserved by both microfinance institutions and commercial banks.

We advise on structures and opportunities that involve:

Microfinance and cooperative lending

SME and agricultural finance

Housing finance

Factoring and leasing

Revenue-sharing and alternative financing

According to the World Bank (2024), approximately 1.4 billion adults remain unbanked, and over 40% of SMEs in developing economies face significant financing gaps. Our work helps mission-driven funds assess and support financial institutions that serve these populations, without Tuluni holding, managing, or controlling any client capital.

Tuluni International works with social impact funds, foundations, and public-interest investment vehicles to identify, assess, and support capital flows that enhance global food security. Our non-discretionary advisory services focus on strengthening the financial and operational viability of institutions that are critical to the stability and sustainability of food systems — particularly in rural and climate-vulnerable regions.

We align with the United Nations Committee on World Food Security’s definition, which holds that food security exists when all people, at all times, have physical, social, and economic access to sufficient, safe, and nutritious food that meets their dietary needs and preferences for an active and healthy life.

According to the FAO’s 2024 report, more than 783 million people are experiencing chronic hunger globally, and an estimated 30% of the world’s population faces some level of food insecurity. These figures are expected to increase due to climate change, conflict, population growth, and global supply chain disruptions. Smallholder farmers, women, and rural communities remain disproportionately affected by both undernutrition and economic precarity, despite being essential contributors to agricultural production.

We help clients develop and assess climate-aligned investment strategies that address the urgent challenges of climate mitigation, adaptation, and resilience. Tuluni’s services include pipeline analysis, ESG integration, and technical review, with no discretionary authority over capital deployment or fund management.

Areas of focus include:

Green finance

Renewable energy (solar)

Climate-smart agriculture

Climate risk integration and reporting

Global sustainable investment assets are projected to exceed $50 trillion USD by 2025 (Bloomberg Intelligence), and Tuluni supports non-profit funds and impact-driven institutions in directing these resources toward real-world solutions — without providing investment management or fiduciary services.