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Funding Readiness
Assessment Engine

Don't apply blindly. Answer 10 critical due-diligence questions to get your personalized **Readiness Score** and a step-by-step action plan to fix any gaps.

2 Min Check No Credit Check

Business Profile

10 Questions

Legal & Compliance

1. Is your business formally registered (CIPC) and trading for 12+ months?

2. Do you have a valid Tax Clearance Certificate (TCC)?

Financial Health

3. Do you have 6 months of dedicated business bank statements?

4. Does your turnover exceed R500,000 per year?

5. Do you have realistic financial projections for the next 12 months?

6. Do the directors have clean personal credit records?

Strategy & Advantage

7. Do you have a formal Business Plan document?

8. Is the funding use specific (e.g., buying stock vs. generic cash flow)?

9. Do you have a B-BBEE Certificate or Affidavit?

10. Is the business 51%+ Youth, Women, or Disabled owned?

Why Funders Care: Compliance and Strategy

This assessment is based on the key due diligence points used by both private lenders and Development Finance Institutions (DFIs) like the IDC and SEFA. Your score indicates your preparedness for a formal funding application.

Legal/Financial Foundation

Funders must see a clean, legal structure. **CIPC registration** (Q1) proves legality, and a **SARS TCC** (Q2) proves good standing with the tax authority. Without these basics, any application will be instantly rejected. Clean **business bank statements** (Q3) are non-negotiable proof of revenue and cash flow health.

SA DFI Advantage

Questions 9 and 10 relate to South Africa’s developmental mandate. Having a **B-BBEE certificate** and falling under **Youth/Women/Disabled ownership** significantly increases your chances of accessing subsidized or preferred funding through DFIs, offering better terms than commercial lenders. Always highlight these assets.

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