Analysis modules
Each module answers one question a bank asks about an SME, and shows how it got the answer.
Start readingHow much could it borrow?
A score out of 100 from five weighted dimensions, a verdict, and an indicative amount range, each traceable to the figures and the formula behind it.
Financing eligibilityWhat goes in
- Audited financial statements (required)
- Bank statements, CTOS report and aging list, when uploaded
- Ownership and management from the SPOT report
What comes out
- A score out of 100 with the verdict Eligible, Conditional or Not eligible
- An indicative amount range in MYR, with its revenue basis
- The factors behind each dimension, risk factors and a written assessment
Which products fit, and why?
SPOT checks an SME against every rule of your financing products, and shows which it meets, which it nearly meets, and why.
Product matchingWhat goes in
- Facts from the SME's SPOT report (SSM, audited accounts, bank statements, ownership records)
- The SME's own declarations, for rules no document covers, such as Bumiputera equity
- Your bank's product rules
What comes out
- Your products, ranked for this company
- Every rule marked Met, Not confirmed or Not met, with its evidence
- Near misses, with the requirement that blocked each one
Does the account back it up?
The company's own account activity, sorted into where money comes from and where it goes, reconciled to the statement totals, with a three-month trend and forecast.
Statement analysisWhat goes in
- The company's bank statements, one per account and month, up to the 8 most recent
What comes out
- Credits and debits by category, with their share of the total
- Banking conduct and concentration notes
- A three-month cash-flow trend and a next-month projection
- A reconciliation check for every statement
How ready is its technology?
A capability score out of 100 across technical, operational and commercial readiness, a risk band, and the productivity gaps the company describes in its own words.
Technology readinessWhat goes in
- The company's Technology Readiness Doc, a questionnaire it fills in and uploads
What comes out
- A composite score out of 100 and a risk band
- Scores for Technical Viability, Operational Capacity and Commercial Viability
- A productivity gap diagnosis in three groups