For financial institutions

Four questions that usually settle it.

Most institutions arrive not knowing which model they want, and the choice is easier than it looks once these are answered honestly. Each answer points to one model; choose yours and the recommendation follows.

1. Do you already have the corporate relationships?
- Yes. Our corporate franchise is strong and we want its supply chains (the suppliers those corporates buy from and the distributors they sell to) on our own book.Points to white-label
- Not really. We want access to anchor programs we have not built, and we are buying origination rather than bringing it.Points to the marketplace
Why this question matters
White-label uses an asset you already own: your anchors bring their suppliers and their distributors with them. The marketplace is the shorter route to relationships you do not have, because Mtaji has already built the programs, and any anchor you do bring to it stays exclusive to you.
2. Do you want your brand in front of the SME?
- Yes. The supplier and the distributor should see our bank on every screen.Points to white-label
- Not necessarily. We are comfortable appearing as the financier on a Mtaji or co-branded journey.Points to the marketplace
Why this question matters
White-label puts your brand on the whole journey, with one fixed footer line naming the software underneath. On the marketplace the SME experience is Mtaji’s or co-branded, and your institution appears as the financier.
3. How much integration can you fund this year?
- A real project. Our engineering roadmap has room for a core banking conversation.Points to white-label
- Very little. The roadmap is committed, and we would rather connect lightly or through a portal.Points to the marketplace
Why this question matters
White-label is a deployment with a core banking conversation attached, even where the first integration is shallow. The marketplace is an onboarding: it accepts a full integration, a light one, a portal with none, or participation-only.
4. Are you testing the asset class, or committing to it?
- Committing. SME supply chain finance is a line of business we have decided to build.Points to white-label
- Testing. It is a thesis we want to prove on real programs before we build around it.Points to the marketplace
Why this question matters
Starting on the marketplace and moving to white-label later is a normal path. Starting with a deployment you are not sure you want is not, and we would rather say so here than discover it in scoping.

Your recommendation

Choose an answer to each question and the model they point to appears here.

Mostly the first answers: white-label

You have the relationships, you want your brand on the journey, you can fund an integration and you have decided to build the line. That is a white-label deployment, and it is live in production today.

Start a white-label deployment How a branded deployment works

Mostly the second answers: the marketplace

You are buying origination, you can appear as the financier rather than the brand, your roadmap is committed and you want to prove the thesis first. That is the marketplace, at whichever depth of connection suits you.

Start with the marketplace How the marketplace works

Split evenly? That is a conversation rather than a page, with someone who has deployed both. Inquire as a financier.

Next: the diligence pack

Request the diligence pack

Inquire as a financier