Mtaji Kiungo
The marketplace, connected
For a bank or lender with an integration team.
A marketplace seat, straight through to your systems. Anchors you bring stay yours alone; programs Mtaji originates are allocated by documented rules.
Mtaji Kiungo and Mtaji Mwanzo · marketplace
SME asset origination without the front end.
Bring your own anchors and they stay yours. Fund anchor programs Mtaji has originated and structured, allocated by documented rules rather than picked from a feed. Open to banks, SACCOs, MFIs and development finance institutions today.
Two licenses on the marketplace
Mtaji Mwanzo
The marketplace, through the portal
For SACCOs and microfinance institutions.
Fund an anchor’s suppliers and distributors from a portal built for a smartphone. Your credit committee decides every facility.
What you are buying
A platform for structured, anchor-backed SME opportunities: from anchors you bring, which stay exclusive to you, and from anchor programs Mtaji originates, where the origination work is already done.
- Your anchors, exclusively
- You decide which anchors you work with. Any anchor you bring stays yours on the platform, and no other financier can pick its deals or take its program from you.
- Allocation, not selection
- Anchor programs Mtaji originates and structures are allocated between financiers by the rules in the program documentation. Nobody races anyone to a deal, and nobody cherry-picks.
- Speed
- There is no deployment project. The marketplace exists, so the work is your onboarding and your criteria rather than a build.
- Credit
- Your decision, every time. The M-Score is presented as an input (three pillars, transaction quality, relationship strength and business fundamentals) and your credit policy is the decision.
- Both sides
- Programs cover suppliers waiting to be paid for goods already delivered, and distributors who need to buy stock. The products differ by side and so does who owes the money; each product page states the obligor.
The three objections that decide it
Straight answers to the three questions every financier asks.
Will other financiers see the anchors I bring?
No. An anchor you bring is yours alone.
You decide which anchors you work with. Any anchor you bring to the marketplace is exclusive to you: no other financier on the platform can pick its deals or take its program from you. That is the rule, not a courtesy, and it is the condition on which it makes sense to bring your own relationships onto a shared platform. A participation-only funder can put capital behind the program you operate; the program and the anchor stay yours.
Do financiers pick deals from a shared pool?
No. Nobody cherry-picks.
The marketplace is not a feed that financiers browse and choose from. Only anchors Mtaji originates are open to more than one financier, and Mtaji allocates their programs following the anchor’s criteria and the SME’s as well as yours, under rules set out in the program documentation rather than in a sales conversation. It is not first-come and it is not opaque. Your credit decision on anything allocated to you stays yours: the marketplace presents and structures, and it never approves on your behalf. If you decline, you are not obliged to fund, and Mtaji keeps looking for another financier for that anchor.
What stops a race to the bottom on price?
Financiers do not bid against each other for a trade.
There is no shared pool to bid on: anchors you bring are yours, and programs Mtaji originates are allocated by rule. Under the documented platform terms the SME also sees the full cost of every trade before accepting it, so nobody wins on an undisclosed charge. What differentiates a financier here is speed of decision, sector expertise, and appetite for the tenors and the side that others avoid: the buy side, where a distributor needs stock, is the half most banks have not seen before.
Four ways to connect
The marketplace accepts every depth of integration: a full core banking connection, a lighter API connection, a portal with no integration at all, and participation-only. The portal-only option, Mtaji Mwanzo, exists specifically so that a SACCO or a small MFI can take part without an engineering project, and that journey is designed to complete on a smartphone. The participation-only option exists so that a DFI or an impact fund can put capital behind programs other financiers operate, on any anchor, and receive the impact reporting by side.
Who can join today
Banks, SACCOs, MFIs and development finance institutions, each at the depth that suits it, from a full core banking connection to a portal on a smartphone. Client programs are confidential, so no financier is named here; the diligence pack covers the rest.
Next step
Tell us your institution, your appetite by sector and side, any anchors you would bring, and how deeply you want to connect. Onboarding starts from there.