According to the World Bank, there is a financing gap of 331 billion for African SMEs. Africa is home to approximately 44 million SMEs and these form the backbone of African economies. Panamax has developed technology and business processes to identify, score, finance, and recover funds from SMEs provided with working capital. African SMEs face two significant financing challenges: Accessibility and Affordability. Panamax is using a community approach to address accessibility & using crowdfunding blockchain tokens to address affordability.