For development finance institutions.
Decision-grade evidence packs with confidence-graded signals. Risk visibility before disbursement, monitoring after.
What is broken today.
DFI investment committees see polished application packs and underwhelming post-disbursement visibility. The gap between the SME on the credit memo and the SME on the ground is filled with assumptions. Monitoring becomes annual self-reporting against KPIs that drift from operating reality.
What changes when Mothusi is in place.
- 01
Pre-disbursement evidence packs
A confidence-graded view of the borrower at the moment of decision. Verified financials, verified compliance, verified market signals, verified team. Self-reported claims and verified evidence are not treated the same.
- 02
Continuous post-disbursement signal
Replace annual narrative reports with a live SME growth record. Cash position, revenue trend, compliance state, governance hygiene, sector signals, all updated as evidence flows in.
- 03
Confidence-graded risk
Risk signals carry a grade: self-reported, document-supported, third-party-verified, system-derived, live-feed. Investment committees see exactly how much weight a signal can carry.
- 04
Portfolio aggregation
Roll up signals across a portfolio without re-reconciling against another system. The investment committee, the workout team, and the impact team look at the same record.
- 05
Concessional, blended, and impact aligned
Maturity tiers, lever movement, and issue-cluster resolution map cleanly to impact-investment frameworks (IRIS+, GIIN, HIPSO). No additional impact reporting layer required.
How it works on the ground.
A DFI deploying $30M across SME finance in a partner market screens 400 applications a year. Mothusi gives the credit team a structured growth record on each borrower before the credit memo is written.
After disbursement, the SME continues to engage with the platform through its programme participation, mentor sessions, document uploads, and operational disclosures. The portfolio team sees a live picture of borrower trajectory, not an annual snapshot.
When a borrower hits trouble, the workout team has six months of pre-incident signal. The conversation starts from evidence, not from a request for fresh disclosures.
The MSME finance gap is estimated at $5.2 trillion globally.
IFC research identifies a $5.2T annual financing gap for formal MSMEs in developing countries. Closing any part of it requires DFIs to underwrite borrowers they currently cannot read with confidence. Confidence-graded evidence is the operational pre-requisite, not the nice-to-have.
Source IFC, MSME Finance Gap study.
Other audiences Avnon serves.
Banks and lenders
Read SME maturity, evidence, and repayment readiness against a published framework instead of inventing your own scorecard.
Read more →Governments and SME agencies
A standardised framework across regions and programmes. Defensible reporting that survives ministerial review.
Read more →
Tell us what you are trying to do.
A 45-minute scoping conversation covers your institutional context, deployment scope, country and sector focus, integration surface, and reporting cadence.