Road transport businesses cannot access trade financing because cargo lacks collateral recognition

Small and medium-sized businesses in Ghana that transport goods by road are systematically locked out of trade financing because lenders don't recognize road cargo as acceptable collateral, unlike maritime shipments. This creates a critical cash flow crisis for transporters who need upfront capital to purchase inventory or fuel but have no way to leverage their in-transit goods as security. Current banking systems only recognize maritime and air cargo documents as collateral, leaving road transport operators with no formal mechanism to unlock credit.