S.M.M.E Loan Compliance Scorecard

Score your business:
2 points = Fully compliant (documents ready)
1 point = In-progress
0 points = Non-compliant (unaware/no documents)

1. Legal & Identity Foundation (Max 10 Points)

Company Registration Active, official registration with corporate registries.
Ownership Proof Updated share certificates or partnership agreements available.
Director Identity Valid IDs and utility bills ready for all directors.
Anti-Money Laundering Clear view of ultimate beneficial owners.
Corporate Governance Signed resolutions authorizing the loan application.

2. Tax & State Standing (Max 6 Points)

Tax Clearance Valid tax clearance certificate with zero overdue debt.
VAT Compliance Registered and up-to-date, if turnover thresholds are met.
Payroll Levies Staff taxes and labor fund contributions paid up.

3. Financial Transparency (Max 8 Points)

Historical Financials Signed financial statements for the past 2–3 years.
Current Health Management accounts updated within the last 90 days.
Future Viability 12-month cash flow forecast showing debt-servicing capacity.
Banking History 6 consecutive months of clean business bank statements.

4. Operations & Risk Mitigation (Max 6 Points)

Operating Licensing Valid local municipal trading and zoning permits.
Industry Mandates Compulsory regulatory body registrations for your sector.
Business Insurance Active asset, public liability, or key-person insurance.
0/30
Complete the scorecard to see your readiness

Your Score: 0/30

Status: Not completed

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