Learn the thing the bank assumed you already knew.

Working capital, reading your own numbers, tax compliance, what a credit assessment looks at, protecting your business data.

• Working capital: why a profitable business runs out of cash

  Trace where your cash is tied up between buying, delivering and being paid, and name the gap a financier is being asked to bridge.

• Reading your own numbers

  Build the simple monthly view of what came in, what went out and what is owed to you and by you: the one a financier will ask for first.

  Closes a readiness gap

• Tax compliance and why the certificate matters

  Know what a current tax compliance certificate proves to a financier, what lapses it, and how to keep it current without a scramble.

  Closes a readiness gap

• What a credit assessment looks at

  See your business the way an assessor does (registration, records, the anchor relationship, the bank account) and know which of those you can change this month.

  Closes a readiness gap

• What M-Score measures, and how to improve your position

  Understand the three things the score looks at (transaction quality, relationship strength, business fundamentals) and which actions move each.

  Closes a readiness gap

• Protecting your business data

  Know what a financier may see, what your anchor may see, and what to do when anyone asks you to change bank details by phone or email.

For businesses that sell to an anchor: what supply chain finance is and is not, product by product, invoicing your anchor correctly, delivery performance as a signal.

• What supply chain finance is and is not, when you have already delivered

  Tell apart being paid early against an order, an invoice, or an invoice your anchor has confirmed, and say which of the three fits the position you are in today, before anyone offers you any of them.

• Invoicing your anchor correctly

  Leave every delivery with a signed delivery note or goods-received confirmation, and raise an invoice that matches the order and that note, is addressed to the legal entity on the order, and carries your registered name and tax details, so your anchor’s finance team can approve it first time.

  Closes a readiness gap

• Purchase order financing: funding an order before you have delivered

  Decide whether an order from your anchor is one to finance, read what the documented terms say about recourse and about the security registrable over the financed order before you accept, and offer only an order no one else already has a claim on.

  Closes a readiness gap

• Invoice discounting: early payment on an invoice your anchor has approved

  Get an invoice to the point where it can be offered (approved by your anchor and clear of any other financing, assignment or pledge) and read the cost, the deductions and the recourse shown to you under the documented terms before you accept or decline.

  Closes a readiness gap

• Reverse factoring: when your anchor’s confirmation does the work

  Explain why this product rests on your anchor confirming the invoice rather than on your own standing, get your invoices confirmed on your anchor’s system or in writing before they fall due, and find the exceptions in the documented terms that would put the exposure back on you.

  Closes a readiness gap

• Delivery performance as a signal

  Show a financier, from your documents rather than your account of it, a run of deliveries to this anchor accepted without dispute, return or credit note, and explain a disputed delivery before it is asked about.

  Closes a readiness gap

For businesses that buy from an anchor: distributor and dealer finance explained as the credit facility it is, financing stock, managing inventory against a facility, repayment discipline, the Shariah-compliant structure in practice.

• Distributor and dealer finance explained

  Name which of the two buy-side structures your program uses, say in your own words what you owe under it and on what date, and explain why the repayment date does not move because the stock has not sold.

• Financing a stock purchase

  Size a drawing from its repayment date backwards: show from dated sales against dated purchases that the stock turns, and from your receipts when your customers actually pay you, so you can say how much of an order will be cash in hand before the date.

  Closes a readiness gap

• Managing inventory against a facility

  Keep financed stock in a state you can show a financier at any time (in premises you control, insured, matched to the order it came from, with nobody else holding a charge over it) and know what you may and may not do with goods that stand behind a facility before you have paid for them.

  Closes a readiness gap

• Repayment discipline and revolving limits

  Treat every drawing on a revolving limit as its own debt with its own date, pay it on that date whether or not the stock has sold, and keep your account with your anchor current and your orders on the agreed cycle, so that the record a financier reads in place of a credit file is one you built on purpose.

  Closes a readiness gap

• Shariah-compliant dealer finance in practice

  Follow one Shariah-compliant facility through its three agreements in order (the financier buys the goods from your anchor, you take delivery and hold them as its agent, then you buy them from the financier at a disclosed cost-plus price paid on a deferred date) and explain why that price is fixed, what you must do with the goods while they are in your custody, and what you still owe if they have not sold.

  Closes a readiness gap

One module per gap the readiness check can return, so the gap list always points somewhere that closes it.

• Link your anchor

  Check whether the company you trade with is on the network, and if not, get your request counted: the single biggest step in your position.

  Closes a readiness gap

• Renew your tax compliance certificate

  Close the most common gap before a financier asks.

  Closes a readiness gap

• Put your registration in order

  Know which legal form you are, what the registry should show, and what to bring current.

  Closes a readiness gap

• Keep your trading records together

  Set up the one place where orders, invoices, delivery notes and payments live and match.

  Closes a readiness gap

• Open a bank account in the business name

  Know why financing is paid to and repaid from the business account, and what the bank will ask for.

  Closes a readiness gap