“We needed credit and proceeded to get an overdraft from a long-term partner bank where we had transacted more than $100,000. But the bank wanted us to deposit 100% collateral in cash before they could give the overdraft,” the two-time YC founder told TechCrunch in a June interview.

https://techcrunch.com/2022/01/17/ghanaian-fintech-float-raises-17m-seed-to-power-cash-flow-for-commerce-in-africa/