For suppliers
The questions suppliers ask first, answered straight.
You have delivered and you are waiting to be paid. Before anything else you want to know whether this is a loan and whether it touches your CRB record, so those come first. Every answer here is the same one we give everywhere on this site, word for word: nothing is softened for this page.
Is this a loan?
It depends on the product, and your program names which one you are in before you trade. 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, the financing is with full recourse: if your anchor does not pay, or you do not deliver, you must repay. What the arrangement is in your program is set out in your financier’s documentation. Ask us and we will point you at the clause in your financier’s agreement rather than summarizing it.
Will it affect my CRB listing?
That depends on how your financier documents the program, and it is a question with a specific answer rather than a general one. Ask us before you draw, and we will tell you what your financier’s agreement says about bureau reporting for your program.
What does it cost?
A discount on the invoice value, which you see in full before you accept, on each invoice you choose. You can always decline and wait for the full amount.
Do I have to use it?
No. It is optional per invoice. Using it once does not commit you to using it again.
Not answered here?
Questions about who sees your invoices, what your anchor can see, and what happens to your data if you leave have their own page. Is my data safe?
Anything else? Talk to a person
Next: tell us who you trade with
None of this applies until the company you sell to runs a program. Tell us who it is: a person at Mtaji checks and replies within one working day. No account needed.