Nexora Capital — Problem Statement
The problem statement - the structural under-service of South African SMEs that Nexora addresses.
Section 7 · Business Plan
Problem Statement
The problem statement – the structural under-service of South African SMEs that Nexora addresses.
African SMEs fail disproportionately from cash-flow instability
rather than lack of underlying profitability. The problem decomposes
into six reinforcing barriers, each of which maps directly onto a Nexora
product line:
| Barrier | Consequence for the SME | Nexora response |
|---|---|---|
| Delayed invoice payments | 30–120 day receivables against short supplier terms; working-capital squeeze | Nexora Invoice+ discounting |
| Limited working capital | Orders declined, stock-outs, missed procurement opportunities | Nexora FlexFund revolving facility |
| Lack of unsecured funding | Collateral-poor SMEs excluded from bank credit entirely | AI revenue-based underwriting |
| Poor financial visibility | No forward view of runway; decisions made blind | Nexora Flow analytics |
| Costly trade finance | Cross-border inputs funded on personal cards or not at all | Nexora Trade |
| Fragmented banking | Payments, credit and accounting live in disconnected systems | Nexora Bank + Pay + integrations |
The compounding nature of these barriers matters: an SME with poor
visibility cannot evidence its own creditworthiness; without credit it
cannot bridge delayed payments; bridging failures damage the payment
history that would have unlocked credit. Incumbent supply treats each
barrier as a separate product silo. Nexora’s integrated design attacks
the loop as a system, the account generates the data, the data powers
the credit, the credit protects the cash flow, and the cash flow deepens
the account relationship.
Confidential — this business plan is provided to prospective investors and lenders for evaluation purposes only and may not be reproduced or distributed without the written consent of Nexora Capital (Pty) Ltd.