Architect your business's financials with absolute precision to be ready to receive a business loan.

We help businesses that have been rejected funding prepare their financials and business documents to secure a business loan.

We Take Security Seriously

Your financial data is protected by the same rigorous protocols as the world's leading banks. We employ AES-256 encryption and SOC 2 Type II compliant infrastructure to ensure your business documents remain impenetrable and confidential. Read our privacy terms.

Your Business Creditworthiness Dashboard

Financial Analytics

Incalm simulates a treasure hunt map experience of bringing your business into order to increase chances of receiving a business loan.

The Gap Analysis

Current vs. Business Loan-Ready Status

Debt-to-Income Ratio75%

Cash Flow Coverage60%

Collateral Value90%

Credit Score Alignment45%

Revenue Documentation85%

Current

Loan-Ready Target

Protocol Status

LOAN-READY

Readiness Score76/100

24 points to maximize eligibility

Financial Health

R2.4M+12%

Annual Revenue

Last 12 months trend

Strategic Checkpoints

Your path to business loan approval

3 of 5 complete

CIPC Registration Verified

Insight: Company registration is current and compliant.

Bank Statements Analyzed

Insight: Cash flow patterns show healthy business activity.

Debt-to-Income Optimized

Insight: Ratio improved to meet business loan eligibility.

Collateral Assessment

Credit History Review

“38.7% of applicants sought loans below R250,000, and 30.8% requested between R250,000 and R1 million. These are modest requests for bridge funding, equipment purchases, working capital, but they're rejected because SMEs lack structured documentation or strong financials”

Incalm

Contact Us

Reach out for partnerships, advisory support, or onboarding help. We respond within two business days.

Tyrwhitt Ave & Cradock Ave, Rosebank, Johannesburg, 2196

+27 781600296