We propose a redesigned Technical Assistance Facility operating as an active structural architect within a public-private partnership framework to mobilize commercial capital for African micro, small, and medium enterprises. The conventional passive advisory model is replaced with a Dynamic Structural Credit Waterfall integrated with Portfolio Compression Techniques, which systematically de-risks fragmented MSME lending streams into investment-grade securities. The framework comprises three interconnected modules. A first step, a Standardized Financial Due Diligence Protocol, employing a Transformer-encoder-based classification head trained on a large corpus of African MSME financial records, generates a Financial Integrity Score; this score identifies firms needing targeted technical assistance and produces a standardized financial dossier that reduces information asymmetry for commercial banks. Second, a Cash Flow Tracking and Correlation Alignment Engine, which employs a permissioned blockchain ledger to record real-time cash flows, applies a Copula-GARCH model to estimate pairwise default correlations; a spectral clustering algorithm then groups MSMEs into diversified borrower segments with low intra-cluster correlation. Third, a graded tranching and risk-retention waterfall repackages these diversified portfolios into four tranches—first-loss, mezzanine, senior, and super-senior—with the mezzanine and super-senior tranches being created by means of structural subordination based on cash flow volatility and correlation clusters. A performance-linked distribution rule dynamically adjusts loss allocation and builds a reserve buffer from excess cash flows. The result comprises rated senior notes attracting commercial investors, including pension funds and insurance companies. This framework converts a passive advisory mechanism into an active risk-reduction system, thereby permitting the expansion of capital deployment for underserved African MSMEs while preserving quantifiable risk metrics.