Check if your business is Funding Ready.
Eleven questions. Five minutes. A score out of 100 and a clear plan for whatever is missing — whether that ends in funding, advisory, a clinic or a course.
The gateway to everything we do.
Most businesses that get declined were never far off — they were missing a tax clearance, six months of business bank statements, or a set of financial statements. A decline tells you none of that.
The Funding Readiness Assessment tells you exactly where you stand, exactly what is missing, and exactly who fixes it. It is free, it takes five minutes, and it is not a credit application — no bureau enquiry is made.
- An instant Funding Readiness Score out of 100
- Six diagnostic sub-scores across your whole business
- A prioritised list of what to fix, and who fixes it
- Products you already qualify for, matched to your purpose
out of 100
Nearly Ready
Qualifies for
- Funding preparation with an advisor
- Micro Enterprise Finance
- Business advisory
Improve before funding
- SARS compliance — outstanding returns
- Annual financial statements
- 12-month cashflow forecast
What the assessment asks about.
Nothing needs to be uploaded yet — these are all questions you can answer from memory.
About your business
- How the business is registered
- How long you have been trading
- Your industry
- How many people you employ
The money
- Annual turnover
- What banking record you can show
- Existing credit and how it is being serviced
Records & compliance
- Your SARS status
- What financial statements exist
- Whether there is a plan and a forecast
What you need
- What the funding is for
- Roughly how much
- Where to send your result
Four ways forward — and a route back from all of them.
Your score decides which door opens first. None of them is a dead end.
Funding Solutions
Ready to borrow. You go straight into the product application flow, with verification and FlexiScore™ running behind it.
See products →Advisory & Compliance
Close on the business, short on the paperwork. Our accounting team clears the gaps, usually inside one cycle.
Get compliant →Clinics & ESD
A real business that needs structure before it can carry debt. Paid clinics and a full business diagnostic.
Build capability →Aptivo Training
Early stage. Accredited training and a clinic now, then re-take the assessment once you have trading history.
Browse courses →We never simply decline you.
A bank runs Apply → Credit check → Approved or declined, and the conversation ends there. Every FlexiGrowth route ends with a plan and a way back into the funding pipeline — because a client who becomes fundable in nine months is worth more to both of us than a decline today.
- 1
Assess
Score your readiness in five minutes.
- 2
Improve
Close the gaps with advisory, clinics or training.
- 3
Re-assess
Take the assessment again — your score moves.
- 4
Fund
Apply with a file that is ready to be said yes to.
Common questions
Does this affect my credit record?
No. The assessment is not a credit application and no credit bureau enquiry is made. A J-Cred bureau check only happens once you submit an actual funding application and consent to it.
What does it cost?
The assessment is free. Services it recommends — advisory work, business clinics, accredited courses — are priced individually and always quoted before you commit.
Can I re-take it?
Yes, as often as you like. Most clients re-take it after completing advisory or a clinic to see their score move. Your dashboard keeps the history.
Can an agent do this with me?
Yes. Community Business Development Agents run the same assessment on a tablet, on-site with you. Find one through Partners & agents.
Find out where you stand.
You will leave with a score, a diagnostic and a plan — whatever the number says.