FinPass transforms fragmented SME financial data into a trusted Financial Passport that helps businesses understand their funding readiness and prepare for access to capital.
The FinPass Score is a proprietary funding-readiness indicator. It is not a credit bureau score and does not constitute a lending decision.
FinPass Score
742
Illustrative profile shown for demonstration.
SMEs rarely fail to get funding because the business is weak. They fail because their financial information is spread across too many places, in too many formats, for a credit team to assess quickly.
The result: slow assessments, repeated document requests and avoidable declines.
FinPass consolidates that information into one structured, standardised and continuously updateable financial profile — then explains, in plain terms, how fundable the business is today and what would improve it.
Building Fundamentals
Core financial foundations are still being established.
Developing
Progress is visible; key information and ratios need strengthening.
Funding Preparation
Close to lender-ready; a focused set of improvements remains.
Funding Ready
A credible, well-evidenced profile suitable for lender review.
Strong Funding Profile
Excellent funding readiness across all assessment categories.
Connect → Analyse → Score → Improve → Fund. One structured journey, from scattered records to a lender-ready profile.
Capture company, ownership and financial information in one structured profile.
FinPass calculates ratios, trends and gaps from the data you provide.
A weighted, explainable FinPass Score out of 1000 with a readiness percentage.
A prioritised roadmap showing exactly what raises your funding readiness.
A lender-ready Financial Passport and a structured funding request.
Credit teams receive a standardised Financial Passport: identity and ownership, verified documents, a 12–24 month financial history, calculated ratios, and a transparent readiness score with its full breakdown.
Standardised submissions
Every SME is presented in the same structure, with the same ratios.
Document verification
FinPass analysts verify supporting documents before sharing.
Explainable scoring
Seven weighted categories, each with visible contributing factors.
During the pilot phase, FinPass shares qualified opportunities with lenders directly. A dedicated lender portal is on the roadmap.
FinPass Global is building the financial identity and funding-readiness infrastructure for SMEs — starting in South Africa, designed to expand across Africa and beyond.
Create Your FinPass