Help center

How things work day to day

• What is working capital, and why does a profitable business run out of it?

  Working capital is the cash your business needs to keep trading while it waits, for an anchor to pay you, or for stock to sell. Profit on paper does not pay this week’s wages; cash does.

  How things work day to day · both sides

• How do I check if my anchor is on the network?

  Decide which way you trade with the company, then tell us its full registered name. A person checks and replies within one working day.

  How things work day to day · both sides

• How do I read my readiness gap list?

  Each item is something that would strengthen your position, with the step that closes it. There is no score, and it is not a verdict.

  How things work day to day · both sides

• How do I make sure the Mtaji app tells me when money moves?

  Allow notifications for the app and lift the battery limit your phone may put on it. The app checks both for you under Profile, Notifications on this phone.

  How things work day to day · both sides

• Which side am I on: do I sell to the anchor, or buy from it?

  Follow the goods. If you deliver to the company and wait to be paid, you are on the supply side. If you buy stock from the company to sell on, you are on the buy side. It is decided per anchor, and being on both is common.

  How things work day to day · both sides

• How do I join my anchor’s program as a supplier or distributor?

  You join by invitation, from your anchor or from the financier that runs its program. You opt in, register with your documents, and the financier checks your business and sets your limit before your first trade.

  How things work day to day · both sides

• How do I invoice my anchor so the invoice is approved first time?

  Only an approved invoice can be offered for early payment, so it has to match the order and the delivery exactly and be addressed to the right legal entity.

  How things work day to day · supply side

• What happens between my purchase order and my vendors being paid?

  You apply with the order, your vendors’ quotes and a letter of instruction. Your anchor confirms the order, the financier reviews it, and once delivery is confirmed the financier pays your vendors under its guarantee.

  How things work day to day · supply side

• How do I plan a drawdown against stock I can actually sell?

  Size the drawing to the stock you will have turned into cash before the repayment date, not to the limit.

  How things work day to day · buy side

• How do I keep a revolving limit from turning into a problem?

  A revolving limit is drawn and repaid again and again. Every drawing has its own date, and missing one stops your supply, damages your credit record and puts the security at risk.

  How things work day to day · buy side

• What happens between my financed stock order and my anchor being paid?

  Your anchor approves the order, the financier reviews it, you accept the offer, and the financier pays your anchor directly. The money never passes through you, and you pay the financier on the agreed date.

  How things work day to day · buy side