Our top priority is your security. We’re not saying that just to make you feel better — it’s a fact.
If a business can’t repay its loan, we lose money, you lose money, and our track record and reputation suffer too. That’s why we use several layers of protection, and due diligence before listing is one of them.
Whenever an SME applies for funding, we dig into the business before deciding whether to list it. And most of the time, we have to say “no.”
Why? Because we see red flags like these 👇
🚩 Ownership structures that are unnecessarily complicated or unclear.
🚩 Revenue reported to us doesn’t match tax filings or bank transactions.
🚩 Bank statements don’t support the reported turnover.
🚩 References, contracts, or customer relationships can’t be independently verified.
🚩 The company has been losing money for a long time with no credible path to profitability.
🚩 The P&L may look fine, but the actual cash flow isn’t strong enough to cover the debt.
🚩 High existing debt.
🚩 Poor collateral — for example, an asset that is already pledged elsewhere, has an unrealistic valuation, or is highly specialised and difficult to resell.
🚩 The company refuses to provide the documents we request.
And so on. There are many other reasons why we might reject an SME, but these are some of the most common ones.
The goal here is to show you what we look for and what we focus on during due diligence.
❗️ Just last month, we had to reject 17 SMEs.
They came from different sectors: manufacturing, agribusiness, logistics, biotech, even education. But we still had to say no.
🤔 What kind of business would you like to see on our platform, but think we’d be very unlikely to list? Drop your ideas in the comments!