Pre-Application
Risk Check

Lenders run automated document and compliance scans on every application. Run this pre-check on your bank statements, invoices and registration details to catch red flags *before* you apply.

Bank Statement

Invoices

Compliance

Bank Statement Analysis

Review your last 3 months of business statements.

1. How many 'Bounced' or 'Unpaid' debit orders appear?

Count

2. Do you see personal expenses (Groceries, Netflix, etc.)?

3. Are incoming deposits clearly labeled?

4. Do you deposit large, irregular amounts of physical cash?

Irregular cash deposits are a primary AML (Anti-Money Laundering) red flag for lenders.

5. Is the account new (< 6 months) or recently dormant with a sudden activity spike?

Final Validation

Automated checks for identity and registration consistency.

8. Does your Bank Account Name *exactly* match CIPC?

Yes, Exact Match

No / Different

9. Is your CIPC Annual Return up to date?

Yes

No / Unsure

10. Does your bank activity match your CIPC industry code?

Example: registered as 'Consulting' but transacting in 'Vehicle Imports' looks like shell company behaviour.

11. Do you frequently send/receive funds from non-standard international jurisdictions?

risk_engine_v2.4.exe

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Pre-Application
Risk Check

Bank Statement Analysis

Debtor's Book Analysis

Final Validation

Pre-Check Complete

Pre-Application Risk Check

Bank Statement Analysis

Debtor's Book Analysis

Final Validation

Pre-Check Complete

Pre-Application
Risk Check