Record completeness
We map required evidence against the file and identify missing periods, unexplained gaps and stale documents.
SME funding application record inspections · South Africa
Before a funding file moves forward, make sure its story holds together.
We inspect the financial records behind SME funding applications—bank statements, management accounts, tax evidence, forecasts and supporting schedules—then report what reconciles, what does not, and what needs clarification.
Submit an inspection briefIndependent human review. No lending decision or guarantee.
The flagship engagement
A disciplined read of the complete application record
For fund managers, SME advisers and business owners preparing for scrutiny, our Application Record Inspection traces figures from source evidence into the application narrative. The result is an exceptions register and a concise inspection memorandum—not a rewritten application and not an audit opinion.
See scope, timing and preparation →Financial consistency
Turnover, expenses, debt and cash balances are traced across statements, accounts, tax records and projections.
Decision-ready exceptions
Each finding states the evidence reviewed, discrepancy observed and question that remains for the applicant.
Evidence without theatre
Clear about the limits of inspection
Our work tests the internal consistency and presentation of submitted records. We do not certify future performance, value collateral, detect every fraud, prepare tax returns or decide whether funding should be granted.
“The exceptions register gave our committee specific questions to ask. One supplier liability needed more explanation, and the report said exactly why without overstating the issue.”— Credit lead, Johannesburg enterprise fundRead more case notes →
A calm second pair of eyes