SME Grading System

A universal grading ladder covering all industries and sectors. Each SME is assessed on financial strength, operational capacity, compliance status, and track record.

Industries & Sectors Covered

Construction & Engineering • Manufacturing & Industrial • Agriculture & Agro-processing • Retail & Distribution • ICT & Digital Services • Transport & Logistics • Hospitality & Tourism • Professional Services

Grading Criteria

Each SME is graded on financial strength, operational capacity, compliance status, and track record — creating a transparent, comparable grading ladder that lenders, partners and investors can trust.

Verification Process

Each SME undergoes document review with automated and manual compliance checks, experience validation against industry standards, financial assessment with credit score integration, and full government, industry and business compliance confirmation.

Usage of Grade

Tender Applications

Your grade demonstrates project delivery capacity for tender applications.

Investor Confidence

A verified grade assures diaspora investors of SME reliability.

Cross-Border Trust

A unified grading ladder for South Africa & Zimbabwe SMEs.

Step-by-Step Grading Timeline

1. SME Registration & Profile Creation • 2. Compliance Document Uploads • 3. Experience & Project Validation • 4. Financial & Credit Assessment • 5. Verification & Compliance Confirmation • 6. Grading Assignment • 7. Grade Published on SME Profile