Self-employed? We fix your financials before they go near a credit desk.
Accounting and tax advisory
Self-employed applicants are declined for presentation as often as for affordability. Our advisory desk works on the financial statements, the tax position and the drawings history, so the numbers a credit assessor sees actually reflect the income you earn.
What is included
Financial statements banks accept
Signed annual financial statements, current management accounts, and a clean reconciliation between drawings, salary and declared income.
SARS compliance
Outstanding returns, tax clearance status and provisional tax history are cleared before submission, not after a decline.
Business structure review
How you draw income from your business changes what a bank will lend you. We look at that early, while it can still be adjusted.
Ongoing bookkeeping
Monthly bookkeeping, payroll and VAT for owners who would rather hand the whole function across.
How the process runs
- 01Review of the last two years of financials and tax status
- 02Gap list issued, showing what each bank will ask for
- 03Statements, management accounts and reconciliations prepared
- 04SARS position brought current
- 05File handed to the origination desk for submission
What to have ready
- Last two years of annual financial statements
- Business and personal bank statements for six months
- SARS eFiling profile access, or a recent statement of account
- Details of the company structure and shareholding