Working capital for the whole supply chain.
Banks and anchors run supply chain finance programs on Mtaji. Suppliers get paid early. Distributors stock up sooner.
How it works
How the money moves
Every program has three parties: you, your anchor and a financier. Your anchor is the large company you trade with: the one you sell to, or the one you buy stock from.
If you are the supplier: Under Reverse factoring, your anchor carries the obligation and settles with the financier. You are not borrowing against your own balance sheet. Under Purchase order financing and Invoice discounting, you carry the obligation, and the financing is with full recourse: if your anchor does not pay, or you do not deliver, you must repay. Your financier’s documentation sets out the arrangement in your program.
Step 1 of 5Supplier: You deliver the goods or services to your anchor.
- Goods
- A document
- Money
Read the steps
- Supplier: You deliver the goods or services to your anchor.
- Supplier: You issue the invoice to your anchor.
- Anchor: Your anchor approves the invoice on the platform.
- Financier: The financier pays you early, less the cost shown to you before you accept.
- Anchor: On the due date your anchor pays the financier.
If you are the distributor: Under Distributor finance, you carry the obligation. It is a credit facility to you, with recourse to you, and you repay it. Under Shariah-compliant dealer finance, you owe the agreed price of the goods you bought. You pay the agreed price on the agreed dates. It is a binding obligation: if you pay late, recovery follows documented Sharia principles.
Step 1 of 5Distributor: You place a stock order with your anchor.
- A document
- Money
- Goods
Read the steps
- Distributor: You place a stock order with your anchor.
- Distributor: You request financing for the order on the platform.
- Financier: The financier settles the anchor’s invoice.
- Anchor: Your anchor delivers the stock to you.
- Distributor: On the repayment date you repay the financier, whether or not the stock has sold.
For anchors
How an anchor program runs
Integrate
Diagnose
Co-design
Invite financiers
Scale by sector
On both sides at once?
Many businesses sell to one large company and buy stock from another. One account covers both, so the side you choose today does not shut out the other.
Questions? Contact us asan anchora bank or lendera suppliera distributora partneran investora developer