The Ankara Platform
A three-sided marketplace orchestrator connecting corporate anchors, SME suppliers and distributors, and financial institutions through AI-powered credit intelligence.
How Value Flows
Two distinct transaction flows powered by the same marketplace engine.
Supply Side: Supplier Financing
Unlock working capital for suppliers through multiple financing instruments — Purchase Order Finance, Invoice Discounting, Reverse Factoring, and Warehouse Receipt Financing — all powered by the M-Score credit engine.
Anchor Uploads
Corporate anchor uploads approved invoices from suppliers into the platform.
M-Score Analysis
Algorithm scores supplier creditworthiness using transaction history and relationships.
Match & Qualify
Qualified suppliers matched with suitable financial institutions based on risk profile.
Early Payment
Supplier receives payment within 24 hours. Anchor and financier settle repayment terms.
Buy Side: Distributor Financing
Enable distributors and downstream buyers to access inventory financing through B2B Buy Now Pay Later structures, backed by anchor purchase orders and repayment guarantees.
PO Confirmation
Anchor confirms purchase orders for distributor inventory and confirms payment terms.
M-Score Analysis
Algorithm evaluates distributor based on sales performance and anchor relationship strength.
Financing Arranged
Qualified distributors receive working capital to fund inventory and distribution costs.
Repayment Automation
Payment flows automatically from anchor through distributor to financier upon sales confirmation.
M-Score®
Our proprietary AI algorithm evaluates SME creditworthiness on a 0–900 scale using supply chain transaction data that traditional credit bureaus ignore. The M-Score transforms procurement relationships into bankable credit profiles.
Transaction Quality
Payment history, order consistency, fulfillment rates, and invoice accuracy form the primary scoring pillar.
Relationship Strength
Anchor endorsement, tenure, volume trends, and growth trajectory reflect the depth of supply chain relationships.
Business Fundamentals
Sector dynamics, geographic risk, and operational stability provide contextual grounding to the score.
SMEs scoring above a defined qualification threshold are eligible for financing through our marketplace and connected financiers.
Marketplace Products
Standardized financing products designed for different sides of the supply chain.
PO Finance
Pre-shipment financing against confirmed purchase orders from anchor buyers. Enables suppliers to fund production and fulfillment before delivery.
Invoice Discounting
Immediate working capital against approved invoices from anchor customers. Financing arranged and disbursed within 24 hours, no traditional collateral required.
Reverse Factoring
Anchor-initiated supplier financing where the buyer's creditworthiness drives favorable terms. Suppliers benefit from the anchor's stronger credit profile.
Warehouse Receipt Financing
Commodity-backed financing using warehouse receipts as collateral. Enables agricultural and commodity SMEs to unlock value from stored inventory.
Distributor Financing
Working capital for distributors to fund inventory purchases and distribution costs against anchor-confirmed purchase orders. Flexible terms tailored to cash conversion cycles.
M-Pay
Standardized payment rails connecting anchors, suppliers, distributors, and financial institutions. Integrated settlement and reconciliation for all marketplace transactions.
M-Score Licensing
Financial institutions license the proprietary M-Score algorithm to evaluate SME creditworthiness using their own supply chain partnerships and transaction data. Available as white-label deployment or API integration.
Ready to join the marketplace?
Whether you're an anchor, SME, or financial institution, learn how Mtaji can power your supply chain finance strategy.