Unlocking Working Capital for SME Suppliers: The SPAR Kosovo and MAMS Success Story
- 18 hours ago
- 2 min read
March 12, 2026
Small and medium-sized enterprises (SMEs) play a vital role in supply chains, supplying products, supporting local economies, and driving business growth. However, many SMEs face a common challenge: limited access to working capital.
In retail supply chains, suppliers often deliver goods weeks or months before receiving payment. These extended payment terms can place pressure on cash flow, making it difficult for businesses to invest in production, manage inventory, or expand their operations.
To address this challenge, Zvilo provides working capital solutions that help businesses unlock liquidity within their supply chains.
Enabling Earlier Payments for Suppliers
Through Zvilo’s supply chain finance solution, SPAR Kosovo is able to provide earlier payment to its suppliers once invoices are approved. This allows suppliers to access financing against receivables rather than waiting for standard payment terms.
One of the suppliers benefiting from this solution is MAMS, a local producer supplying products to SPAR Kosovo.
By accessing financing through Zvilo’s platform, suppliers like MAMS can receive funds sooner, improving cash flow and allowing them to operate more efficiently.
This access to working capital enables suppliers to:
Purchase raw materials and manage inventory more effectively
Maintain consistent production cycles
Invest in business growth and operational improvements
Strengthen long-term relationships with retail partners
For SMEs, improved liquidity can make a significant difference in their ability to grow and scale sustainably.
Zvilo’s Role in the Supply Chain
Zvilo works with buyers and their suppliers to unlock working capital across supply chains. By combining technology, data, and trade finance expertise, Zvilo enables financing solutions that support businesses at every stage of the supply chain.
Through this model:
Retailers, such as SPAR Kosovo, can strengthen supplier relationships and ensure stable product supply.
Suppliers, such as MAMS, gain faster access to working capital that supports growth and operational stability.
Zvilo provides the financing infrastructure that enables earlier payments and improved liquidity across the supply chain.
Building More Resilient Supply Chains
Healthy supply chains depend on financially stable suppliers. When SMEs have reliable access to working capital, they are better positioned to manage demand fluctuations, maintain production, and deliver goods consistently.
Working capital solutions help bridge the gap between delivery and payment, unlocking liquidity that would otherwise remain tied up in receivables.
By enabling suppliers to access funds sooner, these solutions strengthen the entire supply chain ecosystem.
Supporting Sustainable Growth
The collaboration between SPAR Kosovo, MAMS, and Zvilo demonstrates how innovative working capital solutions can support both business growth and supply chain resilience.
By improving access to liquidity for SME suppliers, supply chains become stronger, businesses can grow more confidently, and local economies benefit from more sustainable commercial activity.
