Been rejected for a business loan? We'll help you get funding-ready.
We work with South African SMEs to fix the financial gaps that trigger rejections, so banks, suppliers, and investors can trust your numbers and offer better terms.
Precision architecture
Built for founders who want to stay ahead
“Cash pressure should not run your business. Incalm gives you AI agents and hands-on support to keep books clean, cash flow visible, and your business ready for better Net-30 and lending terms.”
Your Creditworthiness Dashboard
Track exactly where you stand against lender requirements. Every metric, every gap, every milestone in real time.
Live readiness cockpit preview
How Incalm Works
Your path to becoming creditworthy
What You Get When You Work With Incalm
What Lenders Look For
The 5 Metrics South African Lenders Actually Audit
Banks don't reject you randomly. They run your business through these five checks, and most SMEs fail at least three.
1
Debt Service Coverage Ratio (DSCR)
Banks need a ratio of 1.2x to 1.5x. If your net operating income doesn’t comfortably cover your debt payments, you’re automatically invisible.
2
Cash Flow Consistency
Lenders require 6 months of uninterrupted bank statements. Random deposits without matching invoices get flagged as high-risk.
3
CIPC & Tax Compliance
A compliant SARS Tax Clearance Pin is non-negotiable for every major SA bank. No clearance, no conversation.
4
Credit Bureau Alignment
Your personal credit score (TransUnion/Experian) and business credit profile must align. Below 600 triggers automatic rejection.
5
Revenue Legibility
Lenders audit 12 months of management accounts. If your CIPC filings don’t match your bank statements, you’re deemed unfundable.
What business owners are saying
Feedback from small business owners using Incalm to understand their funding readiness.
active now
5
businesses currently working with Incalm
Referrals and reflections
“Most of our clients were not asking for huge funding. They needed working capital, supplier terms, and cleaner records. Incalm helped them move from stress-driven cash decisions to lender-ready discipline.”
Solar success story
“Before Incalm, the sun was powering homes, but we didn't have the working capital to expand. My boys and I had the skills, the demand was there, but our books weren't ready for serious funding. Incalm helped us get our finances in order and prepared for capital. Now we're scaling sustainably, not just surviving, but growing.”
Local solar contractor, South Africa
This is renewable energy business funding readiness in practice, and a simple path for how to get funded as SME infrastructure business owners.
Frequently Asked Questions
Everything you need to know
We Take Security Seriously
Your financial data is protected by the same rigorous protocols as the world's leading banks. We employ AES-256 encryption and SOC 2 Type II compliant infrastructure to ensure your business documents remain impenetrable and confidential. Read our privacy terms.
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