Get up to a 17,5%* off lending rates with Gradetec.
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Unleash Your Business With A Gradetec Grading
South Africa's first behavioral lending platform.
Gradetec
What is a Gradetec Grading?
Our grading solution grades businesses across three different business sizes (micro, small and medium enterprises).
The gradings cover 6 critical areas which are industry and market opportunities, Business/ Operations, Management performance, Financial Performance, Social Media Performance and Legal & Compliance Performance.
Grading Rewards Benefits
Major Benefts
Dependent On Your Grading Tier
Graded businesses enjoy a wide range of
benefits at participating partners
Improve Your
Business Performance
Bespoke
Methodology
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Grading Variables
We cover roughly 200+ variables to ensure that your business is properly analysed to uncover areas of improvement
What Areas Do We Measure Your Business On?
Our tried & tested methodology has been used to grade 1000s of businesses across Africa. It covers:
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Industry & Market Opportunities
This examines the economic positioning of the business in the economic cycle, government support, business development capabilities, business prospects and level of competition.
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Financial Performance
Here we provide a thorough analysis of the financial performance of the business as well as it repayment history, ability and capability. We do not capture probability of default or loss given default as this is not a credit rating.
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Operational Performance
This is an in-depth analysis of the operational performance of the busines. We look at (not limited to) relationship with suppliers, completed projects, client activity, Quality of facilities, Proximity to market, product offering and staff.
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Management Capabilities
Management capabilities unpacks the management capabilities of the business which is quite critical to the overall success of the business. We also focus on succession planning. technical capabilities, capacity building and technical knowledge.
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Legal & Compliance
Here we examine your compliance track record, capabilities from a compliance perspective, legal record, certifications, labour law performance, and related variables.
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Social Media Performance
In the modern age, social media performance is a critical component of business success and predictor of future performance. A restaurant which attracts a significant and positive following should do quite well over the subsequent period, the same can be said for many other businesses/ entities.
Eligibility to
Be Graded
Most businesses are eligible for a business grading provided they have commenced trading and have a financial track record.
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1
Track Record
Businesses should be operation for at least 6 months showing some form of revenue. Contact us to clarify your individual situation
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2
Financial record keeping
Businesses require a bank account showcasing financial performance. Financial statements are recommended for funding, however we can start with a non-financial grading and then help you set up a financial record-keeping structure.
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3
Registration with the CIPC
Businesses have to be registered with the CIPC.
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4
Size of the business
There is no size limit, however we recommend businesses which are at least turning over R40 000 pm. Turnover that is lower can be judged on a case by case basis.
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Completed Gradings
Across Africa
Documents Required To Be Graded
These are the basic documents and procedures required to be graded.
CIPC Registration
is Mandatory
Completed
Grading Input Form
Non-Financial Grading
Certified
Documents
Documents Not Older Than
6-Months
Grading Tier Segregation
Your lending discounts are dependent on your grading score
Black Tier Grading |
Grading Score
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Interest Discount
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Gold Tier Grading |
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Silver Tier Grading |
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Questions & Answers
Find answers to all your queries about our service.
Help You to Find
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Are gradings the same as credit ratings?
No, gradings are not the same as credit ratings and are not designed to resemble ...
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What are the fees for Gradings?
Businesses that secure funding through us enjoy a waiver on the initial grading fee for ...
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Are gradings compulsory?
Gradings are compulsory on all lending transactions, however businesses can still obtain funding before the ...
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Can I use my gradings for other purposes?
Yes, your grading report can be shared with third parties you plan to do business ...
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Can I appeal my grading score?
Yes, businesses have the opportunity to appeal their overall grading score or any of the ...
Still not sure? contact us.