Business history
How long the business has operated and whether its SSM registration is active.
Prepare a complete business profile before formal review.
These are common starting points, not fixed approval criteria. Requirements vary by product and funding partner.
Common eligibility factors
What may be considered.
Partners may look at business history, cash flow, credit information, financing purpose and supporting documents together.
Business cash flow
Turnover, bank activity and the consistency of normal business transactions.
Financing purpose
How the requested amount relates to working capital, invoices, orders or projects.
Overall risk profile
Business, director, document and credit checks required by the selected partner.
Document checklist
Common documents to prepare.
SSM documents
Current business registration and available company profile documents.
Owner identification
Identification for directors, partners or business owners when required.
Bank statements
Recent business bank statements showing normal transaction activity.
Financial records
Management accounts, audited accounts or tax records when applicable.
Transaction documents
Invoices, purchase orders, contracts, quotations or award letters relevant to the request.
Additional records
Any other supporting information requested during partner assessment.
| Financing route | Useful supporting documents | What may be reviewed |
|---|---|---|
| Working Capital | Bank statements, accounts, business records | Operating history and cash-flow pattern |
| Invoice Financing | Eligible invoices and customer information | Invoice validity, payment terms and debtor profile |
| Purchase Order | Confirmed PO, supplier quote, fulfilment plan | Order validity, margin and delivery ability |
| Project Financing | Contract, award letter, costing and milestones | Project viability, experience and expected cash flow |