Umati Capital, founded by Ivan Mbowa and Munyutu Waigi, leverages technology to provide innovative supply chain financing to SMEs who supply larger entities. Recognising the cash flow challenges faced by dairy farmers upon delivery of milk, this platform has been proven to alleviate this burdensome situation by ensuring farmers are paid within 48 hours of delivery and buyers repay Umati Capital within 60 days. Farmers can request loans, for varying purposes, in two ways, by sending an SMS (mobile money platform) or by having the Clerk at their Cooperative request a loan from Umati Capital on their behalf.