Who this review is for
This is for a South African small business owner who has drafted a loan or asset-finance application and assembled most supporting records. It suits requests for working capital, equipment purchases, premises improvements or measured expansion where the lender expects forecasts and evidence.
It is not a credit decision, an accounting engagement or a substitute for legal, tax or regulated financial advice. We do not write missing historical accounts, value security, negotiate with a lender or alter records.
What is included
- A completeness check against the lender’s supplied checklist, where available
- Cross-checking company details, requested amount, stated purpose and owner contribution
- Review of up to 24 months of relevant bank statements and management accounts
- Testing a 12-month monthly cash-flow forecast for arithmetic, opening and closing balances, VAT treatment, payment timing, seasonality and proposed repayments
- Comparison of forecast assumptions with historical trading and supplied contracts or quotations
- A written report separating critical gaps, points to clarify and presentational improvements
- One 45-minute findings call within seven days of delivery
We review one legal entity and one funding application. Additional entities, multiple scenarios, financial-statement preparation and business-plan rewriting are quoted separately.
The review sequence
1. Scope confirmation
Send a brief description of the business, finance purpose, intended lender, requested amount and submission date. We confirm fit, fee and the secure handover method before accepting documents.
2. Document register
We record what has arrived and flag obvious omissions. Typical items include CIPC records, identity and address evidence, tax documents, bank statements, management accounts, quotations, contracts, lease information and the completed application form.
3. Consistency and cash-flow testing
Every material figure is traced to its supporting record or stated assumption. Particular attention goes to debtor collection periods, supplier terms, once-off costs, owner drawings, existing debt and the month in which the proposed instalment begins.
4. Findings report
You receive a private PDF report with references to the relevant document or worksheet cell. “Critical” means the pack may be incomplete or contradictory; “clarify” means the lender is likely to need an explanation; “refine” improves legibility without changing substance.
Preparing the pack
Use legible PDF files and an unlocked Excel or OpenDocument spreadsheet for forecasts. Do not send bank passwords, card PINs, medical records or unrelated identity documents. Redact customer personal information where it is not needed to support a contract or receivable.
Allow at least ten business days between commissioning the audit and your lender deadline. Our normal review takes five to seven business days after all agreed records arrive. Large or disordered packs may need a revised estimate.
Fee and next step
The fee starts at R6,800, including VAT where applicable, for the scope above. We quote after seeing the document index—not the confidential contents. A 50% deposit reserves the review period; the balance is due before the findings report is released.