E1
Emerging
Under 60
Early stage, and the foundations still need building. The profile names the two or three things standing between you and a file a funder can read.
A Mboma Financial Services product
Know exactly where you stand before you ask for funding.
GetTheBag helps South African small businesses sort out their finances, keep the records funders actually ask for, and see the gap between where they are and where they need to be.
POPIA compliant
Readiness profile
Sipho’s Logistics (Pty) Ltd
74/100
E2 · Developing
Six points off a funding-ready file.
Fix funding history first. It carries 20% of the score.
Why applications get declined
Most funding applications don’t fail on the idea. They fail on the paperwork.
A funder asks for statements going back two years, a management account, proof of tax compliance and a repayment story that adds up. Plenty of good South African businesses have the trade but not the file. GetTheBag gets that file in order before you apply, not after you’re declined.
- You see the same score a funder would see, before they see it.
- Every weak section comes with the specific thing to fix.
- The records you build along the way are the ones you submit.
How it works
Three steps, and you keep the results
No consultant fee to find out where you stand. The assessment is free and the profile is yours.
Step 01
Take the assessment
Six sections, about fifteen minutes. Upload your CIPC document, tax certificate and a bank statement, and the platform reads them for you, so you are not retyping numbers you already have.
Step 02
Get your readiness profile
A score out of 100, a readiness tier, and a section-by-section breakdown that shows which part of your file is weak and what to fix first.
Step 03
Work the plan
Track cash flow, issue invoices, keep customer records, and watch the funding you qualify for open up as the score moves.
The scoring
What the score is actually made of
No black box. Six sections, each weighted by how much South African funders lean on it, and you can see every one of them.
Scored out of 100. Financial health, funding history and digital presence carry the most weight because they are the sections a credit committee reads first.
- 01 Financial healthTurnover, margins, record-keeping, bank conduct
- 02 Funding historyPrevious applications, credit conduct, repayment track record
- 03 Digital presence & market accessWebsite, payments, customer reach, channels
- 04 Business profileRegistration, structure, sector, years trading
- 05 Identity verificationDirector ID, tax number, banking details confirmed
- 06 Operational readinessStaffing, systems, suppliers, day-to-day challenges
Readiness tiers
A starting point, not a verdict
Every business lands in one of three tiers. None of them is a rejection. Each one comes with the work that moves you up.
E2
Developing
60 – 79
The fundamentals are there. Usually it is record-keeping or trading history that needs a few more months of discipline before an application will hold up.
E3
Funding ready
80 and above
The file holds up to scrutiny. Funding matches open up and the platform helps you put the application together properly.
Inside the platform
The tools that keep the score moving
The assessment is the front door. Behind it is the day-to-day software a small business needs to stay fundable.
Readiness assessment
The scored questionnaire, with document upload that reads your CIPC, SARS and bank paperwork instead of asking you to type it in.
Business finances
Import a bank statement and the platform builds your cash flow, works out debt service cover, and drafts a plan a funder can actually read.
Quotes & invoices
VAT-correct quotes and invoices, aged receivables, and incoming payments matched against your bank statement so the books stay honest.
Customers
A straightforward sales pipeline. Leads, deals, call logs and notes, without paying for a full CRM subscription you will not use.
Funding match
Opportunities filtered against your real profile and tier, so you stop spending weeks applying for things you were never going to win.
Learning Hub
Short, practical modules on the money side of running a business, drawn from the same material Mboma teaches in the room.
AI business advisor
Ask questions about your own numbers and get an answer grounded in the statements and records you have already imported.
Marketplace
List what you sell, and find other South African small businesses to buy from. Local trade between businesses on the same platform.
Who it is for
One platform, four rooms
SMMEs & entrepreneurs
The main audience. Owners who are trading well but cannot show it on paper yet, and want to fix that before the next application.
Funders & ESD programmes
Vet and monitor a portfolio of small businesses against one consistent score instead of a folder of inconsistent paperwork.
Employers
Financial wellness for staff, run alongside the workplace sessions Mboma already delivers on site or online.
Learners & young people
The same money fundamentals, pitched for high school and first-job, carrying on from the literacy programme.
Alongside our other work
The same coaching, running between the sessions
Mboma Financial Services has spent years in the room. Coaching individuals, running workplace sessions, teaching learners and sitting with small business owners. GetTheBag is that work built into software, so a business keeps moving between appointments and a funder can see the progress for themselves.
SMME financial wellnessThe workshop sets the thinking. The platform keeps the numbers current afterwards.
Employee financial wellnessStaff get the same tools at home that we teach in the session at work.
High school financial literacyLearners move from the study guide to a real tool without starting over.
Personal coachingOne-on-one sessions, now with the client’s live figures on the screen between us.
Ready to see it on your numbers?
Book a walkthrough and we will take you through the assessment, the readiness profile and the tools with your business in front of us.
GetTheBag is a product of Mboma Financial Services · info@mbomafs.co.za · +27 82 513 9314
