Infrastructure for SME Capital Coordination
The orchestration engine for global SME capital.
Capital exists, but it doesn't reach the right businesses. Musa brings together debt, equity, grants, and guarantees into the right structure — so SMEs can access funding no single provider offers.
The Problem
Capital exists. It just doesn't reach the right businesses in the right form.
The global SME financing gap exceeds $5 trillion. The failure isn't a lack of capital or viable businesses — it's a routing problem.
Wrong instrument
Debt offered where equity is needed. Grants applied where guarantees would unlock lending.
No stacking logic
No system sequences catalytic, debt, equity, and guarantee capital into a single executable pathway.
Fragmented financiers
Banks, alt-lenders, DFIs, and guarantee funds operate in parallel. The SME pays the coordination cost.
Inconsistent risk pricing
Risk is scored in isolation by each financier. No shared standard. No ensemble view.
The Engine
From fragmented data to
structured investment decisions.
Musa helps investors understand, evaluate, and structure SME opportunities — in minutes, not weeks.
Built for financiers across the capital continuum. Deployed as infrastructure — not as a product to each SME.
Funding Readiness Score™
A standardised fundability signal built on 20,000+ ventures and 600 financier criteria. Scores revenue quality, assets, governance, market depth, and impact.
Output: Fundability + stackability score
Capital Stacking Engine™
Designs an executable capital pathway — sequencing grants, quasi-equity, debt, guarantees, and alternative instruments per SME.
Output: Risk-adjusted, stackable capital structure
Collaborative Capital Deployment™
System-level coordination across financiers. Rejections become reroutes. Readiness signals are preserved and guarantees engaged.
Output: Executable, multi-provider financing
Manual coordination: 3–6 months
Example
What a structured deal looks like.
A logistics company in East Africa with $420K annual revenue and a fleet of 22 vehicles. Previously rejected for a single bank loan. Here's how Musa restructured the opportunity.
Capital Stack
Why It Works
Better capital mobilisation
The guarantee de-risks the commercial lender, unlocking a term loan that would not have been issued alone. Each instrument makes the next one possible.
Reduced time to funding
From initial assessment to structured term sheet in under a week — compared to 3–6 months of manual coordination across providers.
Lower cost of capital
Blended cost drops significantly when catalytic capital absorbs first-loss risk. The SME accesses more capital at a lower weighted rate.
Ecosystem & Validation
Institutional partners across the capital continuum.
20+ ecosystem partners including government agencies and DFIs. 75+ financiers representing over $1B in deployable capital.
Ecosystem Partners
Pilot Financier Partners
For Partners
Three ways to plug in
to the orchestration layer.
Musa is infrastructure. We partner with institutions positioned to coordinate — not compete — at the system level.
Onboard as a Capital Provider.
Pre-structured, guarantee-eligible deal flow calibrated to your mandate, ticket size, risk appetite, and instrument type.
- Reduced due diligence cost via Funding Readiness Score™
- Co-invest alongside DFIs, guarantors, and commercial capital
- Instrument-level fit: debt, equity, mezzanine, guarantees
License the Infrastructure.
Deploy Musa as digital public infrastructure for SME capital coordination — national, regional, or sector-specific.
- White-labeled national SME funding rails
- Ensemble risk view across all in-country financiers
- Success-fee + licensing commercial model
Orchestrate your Portfolio.
Channel partnership for accelerators, incubators, and associations ready to convert pipeline into structured capital.
- Funding Readiness Score™ embedded in your workflow
- Revenue share on every SME successfully capitalised
- Portfolio-wide capital pathway visibility
Note: SMEs don't apply to Musa directly. Ventures are routed through ecosystem partners — accelerators, incubators, and associations.
For Ventures
Building something fundable?
Ventures are funded through our ecosystem partners — the accelerators, incubators, and associations already coordinating capital on the platform. Join the waitlist and we'll route you.
Who qualifies
Capital coordination infrastructure for the next decade of SME growth.
We're inviting strategic investors and capital partners to join us at the infrastructure layer.