About Us
SME Grading System
A universal grading ladder inspired by CIDB, extended across all industries — construction & engineering, manufacturing, agriculture, retail, ICT, transport, hospitality, and professional services. Each SME is graded on financial strength, operational capacity, compliance, and track record.
Business Credit & Verification
Automated credit scoring and risk profiling modeled on TransUnion business credit, with predictive analytics for default risk and payment reliability — plus integrated cross-border scoring and full government & industry verification across South Africa and Zimbabwe.
Industries We Grade
Our SME grading system covers every sector: Construction & Engineering, Manufacturing & Industrial, Agriculture & Agro-processing, Retail & Distribution, ICT & Digital Services, Transport & Logistics, Hospitality & Tourism, and Professional Services. Each SME is assessed on financial strength, operational capacity, compliance, and track record, creating a universal grading ladder that is industry-agnostic.
Business Credit System
Credit scoring uses trade history, banking data and alternative data; risk profiling applies predictive analytics for default risk, payment reliability and debt exposure; portfolio monitoring alerts on director changes, financial health and compliance status; and cross-border credit integrates scoring for SMEs operating in both South Africa and Zimbabwe.
Verification & Compliance
South Africa: CIPC registration & director verification, SARS tax clearance & VAT registration, CIDB grading, B-BBEE certification, UIF & COIDA compliance, mining permits (DMRE), health & safety (Department of Labour), environmental compliance (DEA), FICA, POPIA and AML/PEP checks.
Zimbabwe: ZIDA licensing for investors, ZIMRA tax clearance & VAT registration, PRAZ procurement registration, NSSA social security compliance, mining permits (MMMD), agricultural permits (AMA), tourism licensing (ZTA), company registry verification, AML/PEP checks and EMA environmental compliance.