Am I ready to apply for working capital yet?
Not yet. Three evidence gaps: bank statement, revenue proof, tax freshness. Once those land you’re application-ready in about four weeks via the Bankability Sprint.
PLATFORM / CAPITAL ENGINE
Funding readiness before funding applications.
Mothusi helps SMEs prepare for the right capital pathway before they apply, by making readiness, evidence gaps, risk signals, and required interventions clear. The conversation about capital starts long before the application form.
One of six engines in the Mothusi platform. All connected to the same growth record.
ABOUT THIS ENGINE
Why it exists, and how it operates.
Many SMEs need funding, but are not yet ready for the product they are applying for. Mothusi assesses finance readiness against MGS tier, evidence confidence, revenue quality, financial discipline, risk signals, sector context, and the eligibility rules of the relevant funding pathway.
For the business owner, this comes down to proving the numbers behind the business: revenue, payment flow, customer proof, bank evidence, monthly rhythm, and compliance freshness. Institutions still read it as capital readiness; the SME sees a plain-language picture of what to prove next.
The result is a clear answer: which capital pathway fits, which evidence is missing, which risks need attention, which intervention should happen first, and when the SME is ready to apply.
Where the SME is not ready, Mothusi says so clearly. "Not ready yet" is a feature, not a failure. It protects the SME from avoidable declines and gives the funder a clearer, better-prepared pipeline.
Where the SME is ready, Mothusi can generate an evidence-backed funding pack: MGScard, evidence manifest, financial summaries, risk view, readiness explanation, and supporting documents.
After funding, monitoring can continue through monthly reports, discipline freshness, evidence updates, and risk signals, shared according to the agreed data-governance and consent model.
What Funding does.
- 01
Capital pathway matching
Matches SMEs to appropriate funding pathways based on tier, evidence confidence, risk band, sector, financial discipline, revenue quality, finance-readiness indicators, funding type, and partner eligibility rules.
- 02
Product-specific readiness assessment
Assesses readiness against the requirements of a specific product or programme: working capital, equipment finance, input finance, grant support, offtake-backed finance, or growth capital.
- 03
Evidence-backed funding packs
Generates structured, readiness-screened, evidence-backed application packs with the MGScard, evidence manifest, financial summaries, contract or customer proof, risk profile, and Mothusi funding-readiness summary.
- 04
Guided application flow
Where partner integrations are enabled, eligible SMEs can submit funding packs directly from Mothusi. Otherwise, the pack supports manual application and review.
- 05
"Not ready yet" explanations
SMEs outside readiness thresholds see the specific gap and the recommended path to close it, such as Bankability Sprint, compliance refresh, revenue verification, or cash-flow forecasting.
- 06
Post-funding monitoring
Monthly reports, evidence updates, risk signals, and discipline freshness can support ongoing monitoring after disbursement, subject to the funding partner's monitoring model and SME consent.
SME VIEW
What "not ready yet" looks like.
You are not ready for this funding pathway yet because verified revenue is incomplete, bank and payment evidence is missing, and tax compliance freshness is stale. Recommended path: complete Bankability Sprint, upload or connect recent bank evidence, update compliance check, generate your funding-readiness pack.
FOR THE AUDIENCE
See the Funders Solution and toolkit Built for funders, lenders, and DFIs?
This page describes the engine: how Mothusi prepares SMEs for the right capital pathway before they apply. For the funder-side deployment - the capital lifecycle, evidence-backed funding packs, consented sharing, post-funding monitoring, portfolio intelligence, and the full funder toolkit - see the Funders and Lenders Solution page.
Different audiences. Same engine output.
| Audience | Value delivered |
|---|---|
| SMEs | Avoid wasted applications. Understand what is missing. Build the evidence needed for the right funding path. |
| Funders and lenders | Receive readiness-screened applicants with clearer evidence, known gaps, and better context before review. |
| Programmes | Prepare SMEs for capital through targeted interventions instead of sending unready businesses into applications. |
| DFIs and development partners | Track whether support is improving funding readiness, evidence confidence, and post-funding discipline. |
| Enterprise and ESD partners | Support supplier finance, working-capital readiness, and procurement-linked funding pathways with clearer evidence. |
READY TO BUILD A BETTER FUNDING PIPELINE?
Prepare SMEs before they apply.
Mothusi helps institutions prepare SMEs before they apply, generate stronger evidence packs, and monitor what happens after capital is deployed.
From business support to measurable enterprise development. Across sectors, countries, and real operating environments.