Credit intelligence · South Africa

THE
SIGNAL
OTHERS
MISS

40+

Data signals

To your score

R480bn

SME credit gap

⚡

Readiness score

A single composite score across 40+ financial, operational, and alternative data signals. Know where you stand before you pitch.

✦

AI-powered analysis

Claude synthesises your profile into funder-ready language — insight that feels almost unfair. Signal over noise, every time.

◎

Funder matching

Live match against DFIs, banks, and alternative lenders. See who's likely to engage with your profile right now.

📊

Scenario modelling

Bear, base, and bull projections built from your actual numbers. What-if analysis in seconds, not weeks.

🌐

Alternative data

Digital footprint, customer loyalty, team intelligence — the signals traditional lenders ignore, surfaced and scored.

📄

Funder report

One-click PDF-ready report formatted for DFIs, banks, and VCs. Professional presentation, zero formatting time.

Company basics · Step 1 of 6

🔒 Bank-grade encryption

🇿🇦 POPIA compliant

⚡ Score in under 3 min

Step 01 of 04

Tell us about your business

Four fields. That's all we need to get started — everything else we pull in the background.

Company name or registration number Optional

If you enter your reg number, we auto-fill your company details from CIPC

Sector

Funding Sought (R) R 1,000,000

R100KR2.5MR5MR10MR25M+

Primary use of funding

B-BBEE level P1.4d · Growth Trajectory

Step 02 of 04

Your financials

Choose how you'd like to share your financial data — or skip and boost your score with alternative sources instead.

Annual revenue (R) —

R100KR50MR150MR300MR500M+

Net profit margin (%) —

0%15%30%45%60%

Total debt (R) Optional —

R0R50MR100MR150MR200M

Business profile — used in P1 Business Momentum scoring

Revenue growth YoY (%) —

-30%0%30%60%100%

Recurring / contracted revenue (%) —

0%25%50%75%100%

Top client concentration (% of revenue) —

0%25%50%75%100%

Forward pipeline coverage (months) —

06121824

SARS tax clearance P2.2b

Interest coverage ratio (EBITDA / interest) —

0×5×10×15×20×

📂

Drag & drop or click to upload

PDF · XLS · CSV · Max 20MB per file · Up to 3 files

Xero

P&L · Balance sheet · AR/AP ageing · VAT returns

Unlocks P2 Financial Health · Strongest signal

Sage Business Cloud

Revenue · Cash book · Creditors ageing

Unlocks P2 Financial Health

QuickBooks Online

P&L · AR/AP · VAT summary

Unlocks P2 Financial Health

Step 03 of 06 · Score ready

Your pwr-ups score

Based on the data you've provided. Connect more sources at any time to improve your score.

—

out of 100

Calculating…

Your score is being computed across all five pillars.

P1 · Business Momentum

—

P2 · Financial Health

—

P3 · Behavioural Integrity

—

P4 · Sector Intelligence

—

P5 · Environmental Intelligence

—

Step 04 of 04 · All optional

Boost your score

Connect Power-Up sources to give our scoring engine more signal. Each one you add typically improves your score. All optional — skip any or all.

Yoco POS

Point of Sale · SA-native

+3–6 pts

Card settlement volume Revenue verification Refund rate

🏛️

CIPC Registry

Government · Company verification

+2–5 pts

Director verification Company status Annual returns

🪪

Smile ID

Identity · DHA-connected · Biometric

+3–4 pts

SA ID verification Home Affairs match Liveness check

📊

Credit Bureau

TransUnion · Experian SA · NCR-registered

+4–8 pts

Commercial credit score Payment profile 24m Adverse listings

Step 05 of 05 · Final decision

Your funding readiness decision

Your complete pwr-ups assessment — score, funding status, and all pillar breakdowns in one place.

—

out of 100

Calculating…

P1 · Business Momentum

—

30% · —

P2 · Financial Health

—

25% · —

P3 · Behavioural Integrity

—

20% · —

P4 · Sector Intelligence

—

15% · —

Step 06 of 06 · Free resource

Your Free Pathway Guide

A personalised improvement roadmap based on your score. No payment required.

Synthesising your profile

Initialising analysis engine…

PWRUPS_ENGINE v2.4.1 · INIT

This usually takes 20–30 seconds

Total applicants

↑ 3 this month

Approved

↑ 67% approval rate

Pending review

⚡ Awaiting docs

Declined

↓ Credit threshold

Company

Credit score

Status

Matched funders

Outstanding docs

Total funders

↑ 2 onboarded this month

Active

↑ 79% active rate

Total deployed

R4.2bn

↑ FY2025 commitments

Businesses funded

847

↑ Platform total

Funder	Status	Businesses funded	Sectors	Stage	Min	Max	Region	Bus. age	B-BBEE

⚗ Scoring test lab · v2 framework

Select a scenario to test each decision band

Five hardcoded applicants, each calibrated to land in a specific band. Switch between them instantly to see how the decision band, roadmap, and Pathway Guide CTA respond.

/ 100

Approved!

Score 80–100 · Band A

This business demonstrates strong momentum, healthy financials, and consistent behavioural integrity. Proceed to offer letter generation and manager review.

📍 Sector Retail · MVP

P1 · Business Momentum

80/100

Weight 30% · Contribution 24.0pts

P1.1 · Revenue Activity ▾12%82

P1.1aRevenue growth rate (12m YoY)Score 5: >15% YoYScore 1: Declining >5%

P1.1bRecurring / contractual revenue %Score 5: >60% recurringScore 1: <10% recurring

P1.1cTop single-client concentration %Score 5: <20% one clientScore 1: >55% one client

P1.1dVAT declarations vs stated revenueScore 5: Within ±5%Score 1: >35% variance

P1.1eAlt-data revenue verification qualityScore 5: ≥2 independent sourcesScore 1: Inconsistencies found

P1.2 · Customer Engagement ▾8%79

P1.2aClient / contract retention rate (12m)Score 5: >90% retentionScore 1: <45%

P1.2bGoogle Business Profile star ratingScore 5: ≥4.5 starsScore 1: <3.0 or absent

P1.2cReview velocity (new reviews, 3m)Score 5: >15 reviews, NLP >70% positiveScore 1: No recent reviews

P1.2dHelloPeter complaint resolution rateScore 5: Zero or 100% resolved in 5dScore 1: Unresolved pattern

P1.2eRepeat purchase / contract renewal rateScore 5: >85% renewedScore 1: <40%

P1.3 · Pipeline Strength ▾8%76

P1.3aForward revenue coverage (signed POs)Score 5: ≥6 months coverageScore 1: No documented pipeline

P1.3bQuote-to-invoice conversion rate (12m)Score 5: >40%Score 1: <8%

P1.3cPipeline quality (signed vs LOI vs verbal)Score 5: >50% signed contractsScore 1: Speculative only

P1.3dGovernment/institutional pipeline (CSD)Score 5: Awarded tenders ≥3m, CSD registeredScore 1: Not CSD registered

P1.3eAverage deal size trend (12m vs prior 12m)Score 5: Growing >20%Score 1: Declining >20%

P1.4 · Growth Trajectory ▾7%84

P1.4aHeadcount growth (12m, verified)Score 5: >20% consistent with revenueScore 1: Declining >10%

P1.4bRevenue CAGR (3yr min)Score 5: >15% CAGRScore 1: Negative CAGR

P1.4cNew revenue streams in 12mScore 5: 2+ verifiable with tractionScore 1: Contracting / exiting

P1.4dB-BBEE level and trajectoryScore 5: Level 1–2 or improved 2+ levelsScore 1: Non-compliant / expired

P1.4eGrowth capex investment (% revenue)Score 5: >10% of revenue in growth capexScore 1: Zero capex / disinvestment

P2 · Financial Health

74/100

Weight 25% · Contribution 18.5pts

P2.1 · Cash Flow Patterns ▾10%78

P2.1aOperating cash flow (CFO) trend – 12mScore 5: Positive CFO, growing >10% YoYScore 1: Negative CFO 3+ months

P2.1bDays bank balance near/below zeroScore 5: Zero days near zeroScore 1: >20 days

P2.1cBalance volatility (std dev % of avg)Score 5: Std dev <15%Score 1: >60% — highly erratic

P2.1dMonth-end balance vs month-avg (window dressing)Score 5: Within 15%Score 1: Spike >75%

P2.1eMinimum cash buffer (months OPEX)Score 5: >3 months alwaysScore 1: <0.5 months

P2.2 · Expense Management ▾7%71

P2.2aOPEX as % revenue vs sector benchmarkScore 5: Below benchmark, decliningScore 1: OPEX ≥ revenue

P2.2bSARS tax clearance validity and arrearsScore 5: Valid, zero arrearsScore 1: Invalid, SARS legal action

P2.2cUIF / PAYE submission regularity (24m)Score 5: 24 consecutive, zero gapsScore 1: Not filing

P2.2dBusiness insurance premium continuityScore 5: All policies current, no lapsesScore 1: No current insurance

P2.2eFixed vs variable cost structureScore 5: Fixed <40% of OPEXScore 1: Fixed >75% — highly vulnerable

P2.3 · Balance Sheet Health ▾8%76

P2.3aCurrent ratio (assets / liabilities)Score 5: >2.0×Score 1: <1.0×

P2.3bDebt-to-equity ratio and trajectoryScore 5: D/E <0.5× or decliningScore 1: >2.0× or increasing rapidly

P2.3cAccounts receivable aging qualityScore 5: >90% of AR within 30 daysScore 1: >50% overdue beyond 90 days

P2.3dFixed asset authenticity / verificationScore 5: 100% independently verifiedScore 1: Significant discrepancy

P2.3eRetained earnings qualityScore 5: Growing RE >30% of equityScore 1: Accumulated losses >25%

P2.4 · Debt Servicing ▾5%68

P2.4aDSCR (CFO / total annual debt service)Score 5: ≥1.5×Score 1: <1.0×

P2.4bICR — Interest Coverage (EBITDA/interest)Score 5: ≥5×Score 1: <1.5×

P2.4cRepayment history (all facilities, 24m)Score 5: Zero missed or lateScore 1: 6+ or active default

P2.4dUndisclosed debt (bank AI vs declared)Score 5: Zero — perfect matchScore 1: Material undisclosed >20%

P2.4eDebt maturity profile / refinancing riskScore 5: Well-laddered, no balloon within 18mScore 1: Balloon within 6m, no plan

P3 · Behavioural Integrity

81/100

Weight 20% · Contribution 16.2pts

P3.1 · Owner Character ▾8%84

P3.1aCIPC director history — all prior companiesScore 5: Clean, no deregistrationsScore 1: 3+ closures or fraud link

P3.1bPersonal credit score (all directors >10%)Score 5: ≥750Score 1: <450 or active adverse

P3.1cPsychometric assessment score (EFL)Score 5: ≥75/100Score 1: <40 or refuses

P3.1dProfessional references (min 3, independent)Score 5: All 3 strongly positiveScore 1: Cannot provide 3 or negative

P3.1eSocial media lifestyle vs declared incomeScore 5: Fully consistentScore 1: Significant undisclosed assets

P3.2 · Digital Footprint ▾6%79

P3.2aBusiness online presence ageScore 5: Domain >3yr, consistently maintainedScore 1: Created <30 days before application

P3.2bGoogle Business Profile engagement (monthly)Score 5: >500 impressions, >50 direction requestsScore 1: No verified profile

P3.2cIndustry body / sector membershipScore 5: Active member, detailed profile visibleScore 1: False membership claimed

P3.2dLinkedIn employee verificationScore 5: Within 20% of declared headcountScore 1: Company shows <30% of declared

P3.2eWebsite traffic trend (6m) vs scale claimedScore 5: Growing >20%, consistentScore 1: No website or grossly inconsistent

P3.3 · Payment Behaviour ▾3%82

P3.3aSupplier payment references (min 3)Score 5: Net-45+ terms, always on timeScore 1: COD required, active disputes

P3.3bMunicipal / utility payment record (24m)Score 5: All current, zero arrearsScore 1: Significant arrears / disconnection

P3.3cCredit bureau payment behaviourScore 5: Zero adverse, zero late in 24mScore 1: Multiple active adverse listings

P3.3dBNPL / modern credit facility repaymentScore 5: All BNPL on timeScore 1: Active BNPL default

P3.3eTrade credit / DFI account paymentScore 5: All co-op/DFI credit on timeScore 1: Active default on co-op/DFI

P3.4 · Application Consistency ▾3%78

P3.4aAI cross-verification vs 5+ independent sourcesScore 5: Zero inconsistenciesScore 1: Material unexplainable inconsistencies

P3.4bApplication behavior analyticsScore 5: Normal flow, no anomaliesScore 1: High fraud-probability behavior

P3.4cIdentity and address verification (multi-source)Score 5: Verified ≥3 independent sourcesScore 1: Cannot verify identity or address

P3.4dBusiness address physical verificationScore 5: All sources consistentScore 1: No verifiable physical address

P3.4eOwnership structure and beneficial ownershipScore 5: Fully clear and documentedScore 1: Hidden beneficial ownership suspected

P4 · Sector Intelligence

72/100

Weight 15% · Contribution 10.8pts

Sector overlay Retail

KPI scoring method Analyst-assessed

Dimensions 5 sector KPIs

Full config Config Station →

● Base weight — 10%

P5 · Environmental Intelligence (Macro & Micro Context)

60/100

Weight 10% · Contribution 6.0pts · Analyst-assessed + quantitative

P5 formalises the operating environment as a scored pillar. It answers: is this business structurally positioned to succeed in the environment it actually operates in? Default score: 60/100 (Adequate) pending analyst assessment.

P5.1 · Political & Economic (3%) 60

Policy alignment · B-BBEE trajectory · Municipal governance · Sector PMI · Political risk

P5.2 · Technology & Digital (3%) 60

Payment infrastructure · Accounting tech · E-commerce · Cybersecurity · Digital maturity vs peers

P5.3 · Micro-Operational (2%) 60

Premises security · Key person dependency · Competitive moat · Supply chain resilience · Local area trend

P5.4 · Environmental & Social (2%) 60

Eskom resilience · Flood / climate risk · Labour compliance · Community licence · ESG trajectory

⚠ Macro Stress Modifier: Credit Committee can escalate P5 to 12–15% (reducing P1 & P2 pro-rata) during elevated risk events (Stage 4+ load shedding ≥14d, GDP contraction, sovereign downgrade). Requires committee resolution and audit trail entry.

Revenue projection by scenario (R millions)

3.2 · Scenario analysis — Scenario comparison · FY2028 targets

Scenario comparison · FY2028 targets

Scenario	Revenue FY28	EBITDA margin	FCF FY28	Implied EV	Key driver
Bear	R380M	22%	R18M	R645M	Grid constraints · slow rollout
Base	R620M	28%	R48M	R1.4bn	KZN expansion on plan
Bull	R1.1bn	34%	R112M	R3.7bn	Wheeling + storage upside

3.3 · Scenario Intelligence

The base case assumes successful execution of the KZN and Limpopo capex programme. The bull case is contingent on NERSA wheeling licence approval and battery storage integration. The bear case assumes 18-month grid interconnection delays and margin compression from input cost inflation.

Revenue trajectory (R millions)

✦ AI synthesis · Executive summary

SunGrid Energy presents a compelling investment profile for growth-stage DFI financing. The 22% revenue CAGR, 28% EBITDA margin, and ICR of 3.2× comfortably exceed typical DFI thresholds, while the R480bn SA SME credit gap in the renewable energy sector provides a strong macro tailwind. The D/E ratio of 0.61× signals prudent capital management with meaningful headroom for additional leverage.

↑ ICR 3.2× (threshold: 2.5×) ↑ Revenue CAGR 22% ↑ D/E 0.61× — room for leverage ↓ Net margin 14% — watch cost base ✦ NERSA licences verified

Funder matches

IDC

🌐

Digital footprint

Google rating4.3 ★

Reviews87

Monthly web visitors148K

LinkedIn followers12.4K

Hellopeter score8.2 / 10

↑ Strong presence ✦ Verified business

❤️

Customer intelligence

NPS score+62

Retention rate87%

CLTV / CAC3.2×

Repeat rate64%

Support resolution<4 hours

↑ NPS world-class ↑ Sticky customer base

👥

Team intelligence

LinkedIn headcount growth+28%

Avg leadership tenure6.5 yrs

Engineers as % of staff34%

Female leadership %42%

Key person riskLow

↑ Strong hiring pace ✦ Diverse leadership

Alternative data score contribution

NPS trend (quarterly)

✦ Alternative data intelligence

SunGrid's alternative data profile is exceptional across all three dimensions. The NPS of +62 places them in the world-class bracket — a strong proxy for customer revenue durability that traditional credit scoring ignores. The CLTV/CAC of 3.2× signals efficient customer acquisition and strong unit economics.

SunGrid Energy (Pty) Ltd

Renewable energy · Growth stage · Gauteng

Generated by pwr-ups
May 2026

Readiness score

74/100

DFI-ready ↑ ICR 3.2× ✦ AI verified

"A well-capitalised, high-retention business with strong unit economics. Recommend proceeding to due diligence."

Financial highlights

Annual revenueR258M

Revenue CAGR (3yr)22%

EBITDA margin28%

D/E ratio0.61×

ICR3.2×

Free cashflowR24M

Alternative data highlights

NPS+62

Customer retention87%

CLTV / CAC3.2×

Google rating4.3 ★

Headcount growth+28% YoY

B-BBEE levelLevel 2

✦ Full AI narrative

This applicant presents a compelling investment profile for growth-stage DFI financing. The revenue growth, EBITDA margin, and ICR comfortably exceed DFI thresholds, while the D/E ratio signals prudent capital management with meaningful headroom for additional leverage.

pwr-ups

pwrups.co.za · Report generated May 2026 · All data illustrative

Industrial Development Corporation

DFI · R15M–R500M · Renewable energy focus

88%

DBSA

Development Bank of Southern Africa

DFI · R50M+ · Infrastructure & green economy

74%

NED

Nedbank Corporate & Investment Banking

Commercial bank · R10M–R250M · Growth finance

68%

Revenue projection by scenario (R millions)

Scenario comparison · FY2028 targets

Scenario	Revenue FY28	EBITDA margin	FCF FY28	Implied EV	Key driver
Bear	R380M	22%	R18M	R645M	Grid constraints · slow rollout
Base	R620M	28%	R48M	R1.4bn	KZN expansion on plan
Bull	R1.1bn	34%	R112M	R3.7bn	Wheeling + storage upside

✦ Scenario intelligence

The base case assumes successful execution of the KZN and Limpopo capex programme at a cost of R85M, funded via a 60/40 debt-equity split. The bull case is contingent on NERSA wheeling licence approval by Q3 2025 and battery storage integration — both viable given current regulatory momentum. The bear case assumes 18-month grid interconnection delays and a 3% margin compression from input cost inflation.

🌐

Digital footprint

Google rating4.3 ★

Reviews87

Monthly web visitors148K

LinkedIn followers12.4K

Hellopeter score8.2 / 10

↑ Strong presence ✦ Verified business

❤️

Customer intelligence

NPS score+62

Retention rate87%

CLTV / CAC3.2×

Repeat rate64%

Support resolution<4 hours

↑ NPS world-class ↑ Sticky customer base

👥

Team intelligence

LinkedIn headcount growth+28%

Avg leadership tenure6.5 yrs

Engineers as % of staff34%

Female leadership %42%

Key person riskLow

↑ Strong hiring pace ✦ Diverse leadership

Alternative data score contribution

NPS trend (quarterly)

✦ Alternative data intelligence

SunGrid Energy (Pty) Ltd

Renewable energy · Growth stage · Gauteng · Reg: 2019/184722/07

Generated by pwr-ups
May 2026

Readiness score

74/100

DFI-ready ↑ ICR 3.2× ✦ AI verified

"A well-capitalised, high-retention renewable energy business with strong unit economics and a clear path to DFI funding. Recommend proceeding to due diligence."

Financial highlights

Annual revenueR258M

Revenue CAGR (3yr)22%

EBITDA margin28%

D/E ratio0.61×

ICR3.2×

Free cashflowR24M

Alternative data highlights

NPS+62

Customer retention87%

CLTV / CAC3.2×

Google rating4.3 ★

Headcount growth+28% YoY

B-BBEE levelLevel 2

✦ Full AI narrative

SunGrid Energy (Pty) Ltd presents a compelling investment profile for growth-stage DFI financing in the range of R50M–R150M. The company's 22% revenue CAGR, 28% EBITDA margin, and ICR of 3.2× comfortably exceed the IDC's typical thresholds of 2× revenue growth and 2.5× ICR, while the D/E ratio of 0.61× signals prudent capital management with meaningful headroom for additional leverage without breaching covenant thresholds.

The R480bn SA SME credit gap in the renewable energy sector provides a compelling macro tailwind, and SunGrid's NERSA licences, established customer relationships, and strong C&I solar track record position it well to capture a meaningful share of the growing corporate energy transition mandate.

The alternative data profile reinforces the financial story: an NPS of +62 (world-class bracket), 87% customer retention, and CLTV/CAC of 3.2× indicate durable revenue quality that traditional credit scoring underweights. The 28% YoY headcount growth and 6.5-year average leadership tenure suggest an organisation building for scale without key-person dependency.

Recommended next step: proceed to full due diligence with IDC (88% match) and DBSA (74% match). Prepare the NERSA wheeling licence pipeline, three-year audited financials, and customer concentration analysis for the information memorandum.

pwr-ups

pwrups.co.za · Report generated May 2026 · All data illustrative

Sub-dimension weights Must sum to 20%

Total P3 weight 20.0%

Sub-dimension descriptions & scoring rules

Config Station

🏠

Overview & sitemap

⚡

Credit scoring engine

📊

Sector benchmarks

🗺

Pathway guide

🔌

API test lab

👤

User management

🔒 Admin session

—

Role: Administrator

⊞ Platform sitemap · Click any node to navigate

⚡

Credit Scoring Engine

Configure P3 (Behavioural Integrity) sub-dimension weights and scoring rules. Define P4 (Sector Intelligence) parameters per sector. Customise AI scoring prompts.

P3 · 20% P4 · 15% AI prompts

📊

Sector Benchmarks

Adjust sector-specific scoring templates across 7 industries. Set sub-dimension weights and scoring rules. Templates apply automatically when an applicant's sector is identified.

7 sectors 5 dims each

🗺

Pathway Guide

Configure the Free vs Paid Pathway Guide feature set, pricing, and report content. Set the 3-phase roadmap descriptions and resource library. Define trigger score thresholds.

Free tier Paid tier Pricing

🔌

API Test Lab

Manage API keys and test live connectivity for all 10 data sources — 6 traditional (bank statements, CIPC, credit bureau, SARS, DHA, accounting) and 4 alternative (POS, telco, e-commerce, Google).

6 traditional 4 alternative MVP

P3 · Behavioural Integrity Must sum to 20%

Total P3 weight20.0%

P4 · Sector Intelligence Must sum to 15%

Sector Retail · MVP

AI scoring prompt

Select sector

Sector

Trigger thresholds

Not Yet band — lower bound (%)

Both free + paid Pathway Guide triggered above this score

Declined band — ceiling (%)

Free Pathway Guide only offered below this score

Free vs Paid feature configuration

■ Free tier

Free Pathway Guide

✓

Pillar breakdown

Traffic lights only (RAG per pillar — no raw scores)

✓

Improvement actions

Top 3 generic improvement areas only

✓

Timeline

Generic 6-month estimate

✓

Resources

SEDA, NCR, CSD, SARS links

Re-application checklist

Not included

Progress tracking

Not included

✓

Delivery

Auto-generated PDF, emailed immediately

Price

Free

★ Paid tier

Paid Pathway Guide

✓

Full sub-metric scores

All dimensions ranked by score impact with explanations

✓

Specific actions per sub-metric

Tailored to this applicant's actual weak dimensions

✓

Phase-by-phase roadmap

Stabilise / Build / Prove with specific milestones

✓

Curated resource directory

Direct contacts, guided by sector and specific gaps

✓

Re-application checklist

Evidence requirements per item

✓

90-day progress tracking

Check-in nudges + score comparison on re-application

✓

Delivery

Customised PDF + in-portal interactive view, emailed within 24h

Monthly price (ZAR)

3-month minimum · Cancel anytime

6-month roadmap phases

Phase 1 · Stabilise (Month 1–2)

Phase 2 · Build (Month 3–4)

Phase 3 · Prove (Month 5–6)

🏦 Open banking

1 provider

MVP

DI-001a

Stitch

Open Banking · SA-native · All major SA banks

stitch.money · docs.stitch.money

OAuth2 · Client credentials✓ Sandbox available

Cash flow patterns, turnover verification, bounced debits, salary patterns, window dressing detection, undisclosed debt discovery. Covers FNB, Standard Bank, Absa, Nedbank, Capitec, TymeBank.

Sign upstitch.money → Get API access

Sandbox credentials: client_id test-a6ce36b6-dead-11e9-8a34-2a2ae2dbcce4 · client_secret sandbox. POST to /connect/token for access token. No real bank connection needed.

Not connected — enter credentials to test

📒 Accounting

3 providers

MVP

DI-002a

Xero

Accounting · Cloud-native · Widely used in SA SME market

developer.xero.com

OAuth2 · Authorization code✓ Demo company sandbox

P&L, balance sheet, AR/AP ageing, VAT returns, invoice register, client concentration.

Sign updeveloper.xero.com → Create app

Setup: Create Xero Developer account → New app → OAuth2 → redirect URI to your callback. Scopes: openid profile email accounting.transactions accounting.reports.read accounting.contacts. Use Demo Company for sandbox — no Xero subscription needed.

Not connected — enter Client ID to test

MVP

DI-002b

Sage Business Cloud Accounting

Accounting · SA market leader (SME) · Formerly Sage One

developer.sage.com · SA instance: api.accounting.sage.com/v3.1

OAuth2 · Authorization code✓ Sandbox environment

P&L, balance sheet, cash book, VAT returns, debtors & creditors ageing, bank reconciliation. High SA adoption.

Sign updeveloper.sage.com → Create developer account

SA note: Register for Sage Business Cloud Accounting — NOT Sage 300 or Sage X3 (different APIs entirely). SA base URL: https://api.accounting.sage.com/v3.1

Not connected — enter Client ID to test

MVP

DI-002c

QuickBooks Online

Accounting · Intuit · Tech-forward and international-facing SMEs

developer.intuit.com

OAuth2 · Authorization code (Intuit)✓ Sandbox company auto-created

P&L, balance sheet, AR/AP, VAT summary, invoice register. Less prevalent in SA than Xero/Sage — implement third.

Sign updeveloper.intuit.com → Create app

Single scope: com.intuit.quickbooks.accounting covers all endpoints. SA note: Confirm applicant's QBO account currency is set to ZAR — QBO defaults to USD and will return converted figures.

Not connected — enter Client ID to test

🏛️ Company registry

1 provider

MVP

DI-003a

CIPC Company Registry

Government · SA Companies & Intellectual Property Commission

cipconline.co.za · ecmtest.cipc.co.za (test)

Government API · Registration required⚠ Limited test environment

Company status, directors & shareholding, registered address, prior deregistrations, related entities, company age, annual return compliance.

Registercipconline.co.za → API access request

⚠ Strongly recommended: Use a licensed aggregator instead of direct CIPC API. Options: LexisNexis SA (risk.lexisnexis.co.za), Lightstone (lightstonebusiness.co.za), Compuscan (compuscan.co.za) — all have REST APIs, sandboxes, and SLAs. Commercial agreement: 2–4 weeks.

Not connected — enter credentials to test

📊 Credit bureau

1 provider

MVP

DI-004a

Experian SA

Credit bureau · Commercial & consumer · NCR registered

experian.co.za/business · businesssolutions@experian.co.za

Commercial agreement required✗ No public sandbox

Commercial credit score, payment profile (24 months), judgements, defaults, adverse listings, director personal credit, Business Financial Stress Index.

Contactexperian.co.za/business → Contact sales

Process: Email businesssolutions@experian.co.za — ask for fintech partnership team. 4–6 weeks. Auth: client certificate (mTLS) + API key. Alternative: TransUnion SA (transunion.co.za/business) — same data, faster onboarding.

Not connected — commercial agreement required

🧾 Tax authority

1 provider

MVP

DI-005a

SARS — Tax Compliance Status (TCS)

Government · SA Revenue Service · TCC pin verification

sars.gov.za · ISV accreditation: sars.gov.za/isp-isv

SARS ISV accreditation requiredOCR fallback available✗ No public sandbox

TCC validity, TCC pin verification, VAT registration status, VAT returns (24 months), PAYE/UIF compliance, arrears status.

ISV contactsars.gov.za → ISP/ISV programme

Path 1 — OCR (use now): Applicant uploads TCC PDF → OCR (AWS Textract) → extract pin (TCN20XX/XXXXX) → verify at efiling.sars.gov.za/TCS/verifyTaxClearancePin (public, no login). Path 2 — intermediary: GreatSoft (greatsoft.co.za) or TaxTim Business (taxtim.com). Path 3 — direct ISV: 3–6 months.

Not connected — SARS accreditation required for live API

🪪 Identity verification

2 providers

MVP

DI-006a

Smile ID

Identity · Biometric KYC · Africa-native · DHA connected

usesmileid.com · docs.usesmileid.com

API key + webhook✓ Sandbox available immediately

SA Director ID verification against Home Affairs (DHA), deceased/stolen ID checks, liveness detection, document capture. Africa's most widely used identity API.

Sign upusesmileid.com → Free developer account

Sandbox: Sign up (immediate) → API key in dashboard → POST testapi.smileidentity.com/v1/id_verification. Test ID numbers in docs. DHA agreement bundled — no separate Home Affairs deal needed. ~$0.10–0.50/verification in production.

Not connected — enter API key to test

DI-006b

Iidentifii

Identity · Biometric · SA-founded · Direct HANIS connection

iidentifii.com · info@iidentifii.com

Commercial agreement required⚠ Sandbox via agreement

Facial biometric verification against HANIS (DHA biometric database), liveness detection, document authentication, anti-spoofing. Highest-assurance director verification in SA.

Contactiidentifii.com → info@iidentifii.com

HANIS differentiator: Matches the applicant's live selfie against the actual DHA photo on record — not just ID number data. Recommended for transactions above R10M. Requires commercial agreement + POPIA DPA. 2–4 weeks to sandbox.

Not connected — commercial agreement required

💳 Point of sale

2 providers

MVP

DI-007a

Yoco

Point of Sale · SA-native · 200 000+ SA merchants

developer.yoco.com · Cape Town, SA

API key · Bearer token ✓ Sandbox available

Daily card settlement volume, monthly revenue trend, refund rate, peak trading days, average transaction value, number of transactions — ground-truth revenue verification independent of bank statements.

Sign updeveloper.yoco.com → Create developer account

Docsdeveloper.yoco.com/docs

Sandbox: Use the test API key from your developer dashboard. Test endpoint: GET https://payments.yoco.com/api/payments?limit=90. Scope needed: payments:read transactions:read. Yoco is the fastest alternative source to integrate — self-service, no commercial agreement required.

Not connected — enter API key to test

MVP

DI-007b

iKhokha

Point of Sale · SA-native · Strong township & informal economy

ikhokha.co.za · Durban, SA

Commercial agreement ⚠ Sandbox via agreement

Daily settlements, transaction count, peak hours, average basket size. Particularly valuable for informal-sector and township economy applicants who may use iKhokha over Yoco.

Contactikhokha.co.za → Business partnerships

Access: No public developer portal yet. Contact iKhokha's business partnerships team via ikhokha.co.za to request API access. Typical timeline: 2–3 weeks. Differentiator: iKhokha has deeper penetration in township and informal economy segments that Yoco may not cover — important for the pwr-ups mandate to reach underserved SMEs.

Not connected — commercial agreement required

📡 Telecommunications

2 providers

MVP

DI-008a

MTN

Telco · SA & Africa · MTN Business API · MoMo

developers.mtn.com · MTN Business SA

Commercial agreement · Enterprise ⚠ Developer sandbox (limited)

SIM registration tenure (business stability proxy), MoMo (Mobile Money) inflow/outflow patterns for informal revenue, business number age, data usage trends as activity proxy.

Developer portaldevelopers.mtn.com

Enterprise contactmtn.co.za/business → Enterprise Solutions

Two pathways: (1) MTN Developer Portal at developers.mtn.com has sandbox access for MoMo API — self-service for MoMo data. (2) For SIM tenure and subscriber data, a formal MTN Enterprise agreement is required — contact MTN Business directly. MoMo sandbox token: available after creating a developer account at developers.mtn.com — useful for mobile money inflow patterns.

Not connected — enter credentials to test

MVP

DI-008b

Vodacom

Telco · SA market leader · VodaPay · Vodacom Business

developer.vodacom.co.za · Vodacom Business

Commercial agreement · Enterprise ⚠ Developer sandbox available

SIM tenure, VodaPay wallet activity (informal revenue proxy), IoT connectivity patterns, data usage as business activity proxy, business number registration age.

Developer portaldeveloper.vodacom.co.za

Businessvodacom.co.za/business → Enterprise API

Developer portal: Vodacom has a public developer portal at developer.vodacom.co.za with sandbox access for some APIs. For SIM/subscriber data: requires Vodacom Business commercial agreement. VodaPay: if your applicant uses VodaPay (Vodacom's super-app), this is the richest alternative data source for informal-economy revenue patterns in SA.

Not connected — enter credentials to test

🛒 E-Commerce

2 providers

MVP

DI-009a

Takealot Marketplace

E-Commerce · SA's largest online marketplace · seller.takealot.com

takealot.com/seller-portal · SA-only

API key · Seller Portal ✓ Sandbox available

Order volume (90/180/365 days), average order value, fulfilment rate, seller rating, return rate, dispute count, revenue trend — verified e-commerce revenue from SA's largest marketplace.

Sign upseller.takealot.com → API keys section

DocsTakealot Marketplace API Schema (PDF)

Access: Applicant must be an existing Takealot Marketplace seller. They generate an API key from their Seller Portal under Settings → API Keys. Key endpoint: GET https://seller-api.takealot.com/v2/sales with date range filters. What makes this valuable: Takealot settlement data is independently verifiable SA-source revenue — harder to fabricate than bank deposits.

Not connected — enter seller API key to test

MVP

DI-009b

Amazon South Africa

E-Commerce · amazon.co.za · Selling Partner API (SP-API)

sellercentral.amazon.co.za · developer.amazonservices.com

OAuth2 · Login with Amazon (LWA) ✓ Sandbox environment

Order volume, revenue by period, account health score, fulfilment metrics, return rate, seller feedback score. Amazon SA launched in 2023 — growing rapidly in the SA SME marketplace.

Registersellercentral.amazon.co.za → Developer Apps

SP-API Docsdeveloper-docs.amazon.com/sp-api

Auth flow: Amazon uses "Login with Amazon" (LWA) — a custom OAuth2 implementation. Register your application in Seller Central → Developer Console → Create App → get LWA Client ID and Secret. Sandbox: Amazon SP-API includes a test environment with simulated order data — no real seller account needed for integration testing. Key endpoint: GET /orders/v0/orders with date range and marketplace ID for amazon.co.za (A21TJRUUN4KGV).

Not connected — enter LWA credentials to test

🌐 Digital presence

1 provider

MVP

DI-010a

Google Places / Business Profile

Digital presence · Google Maps Platform · SA and global

developers.google.com/maps · console.cloud.google.com

API key · Google Maps Platform ✓ Test mode available

Review count & rating, monthly search impressions, direction requests, photo activity, hours-open consistency, business verification status, Q&A activity, competitor proximity.

Consoleconsole.cloud.google.com → Maps Platform → Places API

Docsdevelopers.google.com/maps/documentation/places

Setup (5 minutes): Google Cloud Console → New Project → Enable "Places API" + "Business Profile API" → Credentials → Create API key. Free tier covers 500K requests/month. Test endpoint: GET https://maps.googleapis.com/maps/api/place/details/json?place_id=PLACE_ID&key=API_KEY. Use fields=name,rating,user_ratings_total,opening_hours,business_status to stay within free tier.

Not connected — enter API key to test

🏦 Traditional sources — 9 providers

DI-001a

Stitch

Open Banking · SA-native

✓ Sandbox — start today

Sign up at stitch.money → 1–3 day approval
Sandbox: client_id test-a6ce36b6-… / secret sandbox
POST to /connect/token for access token
GET /accounts + /transactions — 90 days

Hours to live

DI-002a

Xero

Accounting · OAuth2

developer.xero.com → Create App → OAuth2
Redirect URI + scopes: accounting.transactions accounting.reports.read
Use Demo Company sandbox — no subscription needed
GET /ProfitAndLoss, /BalanceSheet, /Invoices

Hours to live

DI-002b

Sage Business Cloud

Accounting · SA market leader

developer.sage.com → register (1–2 days)
Ensure Sage Business Cloud Accounting — not Sage 300/X3
SA base URL: api.accounting.sage.com/v3.1
GET /ledger_accounts, /sales_invoices

1–2 days

DI-002c

QuickBooks Online

Accounting · Intuit

developer.intuit.com → Create App (immediate)
Single scope: com.intuit.quickbooks.accounting
Sandbox company auto-created
Confirm applicant QBO currency = ZAR

Hours to live

DI-003a

CIPC Registry

Government · Use aggregator

Do NOT use CIPC API directly — poor uptime
Contact LexisNexis SA (risk.lexisnexis.co.za)
Or Lightstone (lightstonebusiness.co.za)
Commercial agreement — 2–4 weeks

2–4 weeks

DI-004a

Experian SA

Credit bureau · mTLS

Email businesssolutions@experian.co.za
Commercial agreement + POPIA DPA + client certificate
No sandbox — prototype with simulated data
Alternative: TransUnion SA (faster onboarding)

4–6 weeks

DI-005a

SARS TCC

Tax · 3 paths

Now: Applicant uploads TCC PDF → OCR (AWS Textract) → verify pin at eFiling TCS page
1–3 months: White-label via GreatSoft or TaxTim Business
3–6 months: Direct SARS ISV at sars.gov.za/isp-isv

OCR = days

DI-006a

Smile ID

Identity · DHA connected

usesmileid.com → free account → API key in minutes
Sandbox: POST testapi.smileidentity.com/v1/id_verification
DHA agreement bundled — no separate Home Affairs deal
~$0.10–$0.50 per verification in production

Hours to live

DI-006b

Iidentifii

Identity · HANIS biometric

info@iidentifii.com → commercial agreement + POPIA DPA
Highest-assurance: matches live selfie against actual DHA photo
Recommended for transactions R10M+
2–4 weeks to sandbox access

2–4 weeks

⚡ Alternative sources — 7 providers

DI-007a

Yoco

POS · SA-native · Fastest alt source

developer.yoco.com → create developer account (self-service)
API key available immediately from dashboard
Sandbox test key included
GET /api/payments?limit=90 — 90-day settlements
Scopes: payments:read transactions:read

Hours to live

DI-007b

iKhokha

POS · Township coverage

ikhokha.co.za → Business Partnerships team
No public developer portal yet — email for API access
Valuable for township/informal economy applicants
Expect 2–3 weeks for access agreement

2–3 weeks

DI-008a

MTN

Telco · MoMo sandbox available

MoMo API (self-service): developers.mtn.com → create sandbox → API user + API key
POST /collection/token/ to get access token
GET /collection/v1_0/account/balance for wallet data
SIM/subscriber data: requires MTN Enterprise agreement → mtn.co.za/business

MoMo: hours

DI-008b

Vodacom

Telco · VodaPay · Developer portal

developer.vodacom.co.za → register (some APIs self-service)
OAuth2: POST /oauth2/token with client credentials
VodaPay data: informal revenue proxy — commercial agreement required
SIM tenure: Vodacom Business enterprise agreement required

Partial self-service

DI-009a

Takealot

E-Commerce · SA marketplace

Applicant generates key from seller.takealot.com → Settings → API Keys
Applicant must be existing Takealot Marketplace seller
GET seller-api.takealot.com/v2/sales with date range
Verifiable SA-source revenue — hard to fabricate

Hours (if seller)

DI-009b

Amazon SA

E-Commerce · SP-API · LWA OAuth

sellercentral.amazon.co.za → Developer Console → Create App
Auth: Login with Amazon (LWA) — custom OAuth2
Sandbox environment included — test without real seller account
GET /orders/v0/orders with marketplace ID A21TJRUUN4KGV (ZA)

Sandbox: hours

DI-010a

Google Places

Digital presence · Free tier

console.cloud.google.com → New Project → Enable Places API
Credentials → Create API key (5 minutes, self-service)
Free tier: 500K requests/month
GET /maps/api/place/details/json?place_id=X&fields=rating,user_ratings_total,business_status

5 minutes

📅 Priority order for implementation

Provider	Source type	Phase	Effort	Pricing model	Est. cost
Traditional sources
Stitch	Open Banking	Now	Hours	Pay-per-use	R0 sandbox · ~R5–15/call production
Xero	Accounting	Now	Hours	Free (dev)	R0 sandbox · pricing TBD production
Smile ID	Identity	Now	Hours	Pay-per-use	R0 sandbox · ~$0.10–0.50/verification
Sage Business Cloud	Accounting	Week 1–2	1–2 days	Free (dev)	R0 sandbox · pricing TBD production
QuickBooks Online	Accounting	Week 1–2	Hours	Free (dev)	R0 sandbox · pricing TBD production
CIPC (via LexisNexis / Lightstone)	Company registry	Month 1	2–4 weeks	Pay-per-use	~R8–25/lookup · volume discounts
Experian SA / TransUnion SA	Credit bureau	Month 1–2	4–6 weeks	Pay-per-use	~R40–120/enquiry · negotiated volumes
SARS TCC (OCR path)	Tax	Month 1	Days	Pay-per-use	AWS Textract ~$0.015/page · near free
SARS TCC (ISV / intermediary)	Tax	Month 3–6	3–6 months	Commercial	Negotiated · depends on volume
Iidentifii	Identity (premium)	Month 3–6	2–4 weeks	Pay-per-use	Premium pricing · use for R10M+ deals
Alternative sources
Yoco	Point of Sale	Now	Hours	Free (sandbox)	R0 sandbox · production pricing TBD with Yoco
Google Places	Digital presence	Now	5 minutes	Free tier	Free up to 500K req/month · $0.017/call above
Amazon SA (SP-API)	E-Commerce	Now	Hours (sandbox)	Free (seller)	Free if applicant is Amazon seller
MTN MoMo	Telco (Mobile Money)	Now	Hours (sandbox)	Free (sandbox)	R0 sandbox · production: negotiated
Takealot Seller API	E-Commerce	Week 1–2	Hours (if seller)	Free (seller)	Free — applicant generates their own API key
Vodacom Business	Telco	Month 1–2	Partial self-service	Commercial	Negotiated · enterprise agreement
iKhokha	Point of Sale	Month 1	2–3 weeks	Commercial	Negotiated with iKhokha partnerships
MTN Enterprise (SIM data)	Telco (subscriber)	Month 2–3	Commercial	Commercial	Negotiated · enterprise agreement

Free / Free tier No cost to integrate or use within limits

Pay-per-use Cost per API call or per enquiry — scales with volume

Commercial Negotiated contract — fixed fee or volume-based

⚡ Sources live within hours — no agreements needed

Stitch sandbox Xero Demo Company QuickBooks sandbox Smile ID sandbox Yoco sandbox Google Places (5 min) Amazon SP-API sandbox MTN MoMo sandbox

Eight sources can be tested immediately this week — covering P1.1 Revenue Activity, P2.1 Cash Flow, P2.2–P2.3 Financial Health, P3.1 Owner Character, P3.2 Digital Footprint, P3.3 Payment Behaviour, and P1.2 Customer Engagement. That is sufficient for a complete 4-pillar MVP scoring run.

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