Kayzi's partners are organised around the same five areas we assess in your Business Health Check — so when something isn't ready, you know exactly where to go next.
Before any lender will consider you, your business needs to exist on paper — CIPC registration, tax compliance, and the right entity structure. This is the foundation everything else sits on, and missing it is a critical blocker in the Health Check.
Not sure if your compliance status is blocking you from funding? Your Health Check shows exactly where you stand on this dimension.
See your scorecardCIPC registration, VAT, tax clearance, and B-BBEE — done properly
Govchain has helped over 100,000 South African businesses register and stay compliant — covering CIPC company registration, VAT registration, tax clearance certificates, and B-BBEE documentation. They've made formal business registration accessible and straightforward for the businesses that need it most.
A separate business bank account and up-to-date books aren't just good practice — they're what lenders read first. If your finances aren't structured, even a great business can look unfundable on paper. Spreadsheets and manual tracking flag as Risky in the Health Check. No tracking at all is Critical.
Your Health Check tells you whether your financial setup is Healthy, Risky, or a critical blocker for any funding application.
See your scorecardCloud accounting that's SARS-compliant — and directly integrated with Bridgement's instant approval
Sage Business Cloud Accounting is one of two platforms directly integrated with Bridgement's instant verification process. For Kayzi clients heading toward a fintech loan, being on Sage can meaningfully speed up approval. SARS-compliant, payroll-ready, and supported by a wide network of South African accountants and bookkeepers.
Not all funding is the same — and the wrong product can cost more than no product at all. Kayzi matches you to funders based on your actual profile: how long you've traded, how you take payments, and what you need the money for. A clear, stage-appropriate funding plan is what moves a Health Check from Risky to Healthy.
Know what you'd use funding for but not sure if the timing or product fit is right? Your scorecard will show you.
See your scorecardRevolving credit and working capital for established South African SMEs
Lula offers revolving credit facilities and fixed-term working capital loans for businesses with 12 or more months of trading history. Fast online application, flexible drawdowns, and no security required on most facilities. Built for businesses that need cash flow support without the friction of a traditional bank loan.
Revenue-based funding for card machine businesses — repayment that moves with your trade
Merchant Capital provides revenue-based funding for retail, restaurant, franchise, and service businesses that process card payments. Repayments are linked to daily card turnover — meaning you pay less in slow months and more when business is good. Backed by Standard Bank, with over R7 billion funded to South African SMEs.
Lenders don't just read numbers. They look for evidence that you understand your market, your customer, and the risks your business faces. These dimensions can't be fixed with a product — but they can be improved, and your scorecard will show you exactly where to focus.
Unclear on your business model or not sure how to articulate your risks? The Health Check flags these directly.
See your scorecardWe're building out support for Business Clarity and Risk Awareness — including advisors and tools that can help you sharpen your model before you apply. In the meantime, your scorecard shows exactly what to work on and why it matters to a lender.
Take the Health Check →If you work with small businesses, women-led businesses, or entrepreneurs in South Africa and want to help them get funding-ready — we'd like to talk.
Get in touch →Take the free Health Check. 10 minutes. See exactly which dimensions are ready — and which need work before you apply.