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How to make your SME bankable

What banks and investors look for, and how clean digital records get your business there.

[TBC: draft outline: full article to be written and reviewed before publishing]

A bank or investor can only fund what they can check. For many small businesses the problem isn't the business itself. It's that the evidence lives in a cash book, a phone and the owner's memory.

What lenders ask for

  • Sales records that cover months, not days
  • Proof that cash and mobile-money payments match what was sold
  • Stock records that show what came in and what went out
  • Records that someone other than the owner can read and trust

Why a cash book isn't enough

A cash book records what someone remembers to write down. It can't show whether every sale was recorded, and it can't be checked against payments. That gap is where money and stock go missing, especially when the owner isn't there.

The first step: clean daily records

A simple till that records each sale, matches it to cash and mobile money, and tracks stock creates records automatically. Over time those records become the history a bank asks for. That's what PrimeTill is built to do.

Where to start

Start small: one counter, every sale recorded, a daily summary you actually read. Then build from there. If you'd like help working out what your business needs, start with Define.

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