Unlocking Working Capital for SME Suppliers:
The SPAR Kosovo and MAMS Success Story 

Access to working capital is critical for SMEs operating in retail supply chains. Through Zvilo’s working capital solutions, SPAR Kosovo is able to offer earlier payment to suppliers such as MAMS, improving cash flow and enabling them to grow while continuing to supply products to SPAR stores. This partnership highlights how working capital solutions can strengthen supplier relationships and create more resilient supply chains