What landson your desk
A Micro or Full SPOT report opens in your workspace beside the documents it came from. Here is what each one holds, and what it says when the evidence is missing.
Leave a document outThen sections A to E, as above.
The documents this report was generated from. Open one to read its extracted text.
The Sections tab: the structured data behind each section of the report.
Written for Decision-makers, Credit & risk
Sample company, anonymised. Figures are illustrative; the rules are the product's.
Checked against the product source on 14 October 2026.
Think of it like this
Think of a credit file prepared by a careful analyst. The facts are laid out in a fixed order, each one sits next to its source, and a blank is marked as a blank instead of being filled in with a guess.
One question, two depths
Both reports answer how much a company can carry. They read different documents to get there.
- Reads
- SSM + 3 bank statementsMicro SPOT
- SSM, audited accounts, credit reportFull SPOT
- Answer
- RM3,000 – RM6,500Micro SPOT
- 1,800,000 — 2,600,000 MYRFull SPOT
- How
- Fixed rule on monthly surplusMicro SPOT
- Deposits scaled by a 0–100 readiness scoreFull SPOT
- Sections
- 5Micro SPOT
- 5, with sourcesFull SPOT
An estimate in both, never an offer.
The Micro SPOT, in five lines
- ABusiness InformationActive since 2022-03-01, from the SSM
- BFinancial ProfileRM 38,833 average monthly deposit
- CActive Financing StatementRM 12,000 owed of RM 20,000
- DFinancing EligibilityRM3,000 – RM6,500, by fixed rule
- EMicro Assessment
- Duration of Business Operations4 Good
- Bank Statements5 Excellent
- Cash Reserve3 Moderate
- Business Capacity5 Excellent
- Debt Score Level5 Excellent
Figures and scores follow fixed rules. Only the summary text is AI-written.
The Full SPOT, in five sections
+18.0% a year
Revenue, FY2022 to FY2024
AEnterprise & Financial Profile
- BStrategic Capabilities
- CStatement of Capabilities
- DOwnership & Management
- ERegulatory, Compliance & Credit
A read of the documents provided. Not an investigation, not a pre-approval.
Leave a document out
A missing document leaves a labelled blank, never a guess.
Micro SPOTD Financing Eligibility
RM3,000 – RM6,500Not available — no latest 3 months revenue information provided.
Full SPOTC Project Delivery Record
Supply agreement, food-grade containers, RM 4,200,000Data not available
Full SPOTC Licenses & Certifications
Manufacturing licence, expires 31 Dec 2027Data not available
Placeholders like N/A count as empty too.
Every figure, beside its source
17,410,000
Revenue FY2024
Audited report FY2024 (sample)
Sample Packaging Sdn Bhd. Statement of profit or loss, RM.
- Revenue17,410,00014,750,000
- Cost of sales(12,187,000)(10,325,000)
- Gross profit5,223,0004,425,000
Show evidence, Source documents, Sections. All in the viewer.
Your team's workspace
The reports arrive in one place, with the companies, cases and appointments around them.
Continue to Your team's workspace