SSM identityanchor
Before anything else, the SME uploads its SSM certificate. That certificate fixes who the company is, and every later document is checked against it.
See how documents are checked- Company name
- Sample Foods Sdn. Bhd.
- Registration number
- 201401000000Old number 1000000-X
- Business structure
- Sdn Bhd (Private Limited)
- Registration valid until
- 31 Mar 2027
- Nature of business
- Manufacture of sauces and condiments
Confirming sets your company name, registration number and business structure from this certificate. They can't be changed afterwards.
Nothing is locked to your company until you confirm.
Written for Decision-makers, Credit & risk, IT & compliance
Sample company, anonymised. Figures are illustrative; the rules are the product's.
Checked against the product source on 16 October 2026.
Why it matters
A report built on another company's documents is worse than no report. The anchor stops that at the source.
Think of it like this
Like checking a passport at the door. Once the identity is confirmed, anyone who walks in with someone else's papers is stopped.
Confirmed once from the certificate
Onboarding starts with the SSM certificate. SPOT reads it, checks four signals to detect the business structure, and locks the identity only when the owner confirms.
Sample Foods Sdn Bhd
201401000000 (1000000-X)
Document type
Corporate profile vs ROB Form D
SSM corporate profile detected
Registration number format
7-digit company number vs ROB prefix
201401000000 (digits 5 to 6 = 01, company)
Certificate expiry
Perpetual company vs ROB renewal date
No expiry date (perpetual incorporation)
Name suffix & business type
Sdn Bhd / Berhad vs Sole Proprietorship / Partnership
Sdn Bhd suffix confirmed
Live SSM verification stages
Uploading certificate
Stores the SSM PDF in the company dataroom and begins extraction.
Reading registration details
Extracts the legal company name, registration number, and nature of business.
Checking business structure
Evaluates all four signals to route Sdn Bhd vs sole proprietorship or partnership.
Ready for your confirmation
Presents the extracted identity so the business owner can confirm or replace the file.
If the signals disagree, SPOT never guesses a structure; it asks for a clearer SSM certificate. Nothing is locked until the owner clicks Yes, this is my company.
How each document is checked
Every uploaded document is compared against the anchored registration number and company name before its figures can enter the report.
Five entity-matching scenarios
Confirmed · Feeds the report
audited-report-fy2024.pdf · Must-match document
- Anchored identity
- Sample Foods Sdn Bhd · 201401000000 (1000000-X)
- Extracted from file
- Sample Foods Sdn. Bhd. · 201401000000
- Matching rule applied
- Normalized registration number matches the SSM anchor exactly
- What happens in SPOT
- Accepted immediately. Audited figures enter the company ledger and enable Full SPOT generation.
For sole proprietorships (ROB), bank statements held under the registered owner’s personal name also match against the owner names extracted from the SSM certificate.
Two tracks, set by the certificate
The business structure on the SSM certificate determines which financing documents are required and which SPOT report is generated.
Sdn Bhd (Private Limited) · Full SPOT
Required for generation
At least 1 verified audited financial report
Entity-confirmed against the SSM anchor before Full SPOT generation can start.
Optional additions
Bank statements, CTOS report, aging list, contracts, and Technology Readiness Doc.
Sole proprietorship or partnership (ROB) · Micro SPOT
Required for generation
3 distinct months of verified bank statements
Capped at 3 usable statements; statements missing a readable month or year never count.
Optional additions
Active financing facilities (up to 10) and self-declared monthly revenue.
Entity cross-match scope by document category
Must-match documents (bank statements, audited accounts, CTOS, tax and statutory filings)
Must carry a readable, matching entity or they are blocked from feeding the report.
Match-if-found documents (contracts, licences, schedules)
Checked when an entity name is present, but not failed if no entity block is extracted.
Re-checked on every read
Verification is computed live from the documents currently in the dataroom, never stored as a one-time flag.
Sample Foods Sdn Bhd · Live financing-document status
Confirmed identity stays locked
Once the owner confirms the SSM certificate, subsequent login syncs cannot overwrite the company name, registration number, or structure.
Delete a file, status updates immediately
If the only verified audited report or required bank statement is deleted, the company is no longer treated as verified until a replacement passes the gate.
No recency trap at the gate.
The identity gate checks who the document belongs to, not how old the figures are. Period currency is handled separately when the report ledger is built.
Auto-discard for wrong-company uploads.
Files that fail with a hard entity mismatch or unreadable period in the financing step can be cleared in one action so they never clutter the dataroom.
Visible in your bank’s evidence trail.
Every document that passes the anchor appears in the Evidence panel and Documents tab with its extracted fields, so your credit team sees the exact file behind the numbers.
Read with this
- Product matching
SPOT checks an SME against every rule of your financing products, and shows which it meets, which it nearly meets, and why.
Why SPOT exists
Reading an SME is slow because its story is scattered across documents. SPOT reads them for you, in minutes, and shows its working.
Continue to Why SPOT exists