For banks and lenders.
Read SME maturity, evidence, and repayment readiness against a published framework instead of inventing your own scorecard.
What is broken today.
SME credit teams build internal scorecards from scratch, re-invent maturity bands, and assemble underwriting packs from disconnected sources. Risk and credit policy committees defend frameworks that are not citable beyond the bank. Borrower-side data quality is the limiting factor for portfolio growth.
What changes when Mothusi is in place.
- 01
Pre-application borrower readiness
See whether an SME is fundable before it submits an application. MGS readiness tier, document completeness, compliance hygiene, and evidence confidence, all visible before the credit officer opens a memo.
- 02
Decision-grade evidence packs
A structured pack of confidence-graded signals at the moment of decision. No more reconciling four PDFs, three Excel files, and an outdated CIPC printout into a coherent picture.
- 03
Behavioural and operational signal
SME activity over time as a credit signal: cash patterns, invoice behaviour, document discipline, programme engagement, sector reporting. Goes beyond bureau pull at point of application.
- 04
Post-disbursement monitoring
Replace annual covenant-style reporting with continuous evidence flow. Early-warning signals fire on real operational change, not on a missed reporting window.
- 05
Policy committee defensibility
The MGS framework is published, versioned, and citable. Credit policy committees can defend the scorecard against an external standard instead of an internal artefact.
How it works on the ground.
A regional bank running an SME lending book of $200M evaluates 80 new applications a week. Without Mothusi, the bank has 80 different document trails. With Mothusi, it has 80 structured growth records, each with a readiness tier, evidence confidence grade, and clear gaps.
For the borrowers that are not yet ready, the bank does not say no. It assigns them into the readiness programme on the same platform, where they progress through evidence requirements they actually understand.
The pipeline of fundable SMEs grows. The cost-of-credit-acquisition drops. The portfolio reads cleaner because borrowers were already reading themselves cleanly before they applied.
SME credit is rationed by data quality, not by appetite.
Most SME lenders identify borrower-side data quality as the binding constraint on portfolio growth. The MGS framework is built to be the operational standard borrowers prepare against and lenders underwrite against.
Other audiences Avnon serves.
Development finance institutions
Decision-grade evidence packs with confidence-graded signals. Risk visibility before disbursement, monitoring after.
Read more →Enterprise-development programmes
Measure SME development beyond attendance. Cohort diagnostics, interventions, evidence outputs, impact reporting.
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.