SMALL & MEDIUM ENTREPRISES

SMEBS

SME Business Solutions (SMEBS) is a membership programme from Metropol that enables Lenders and trade credit suppliers to increase the flow of credit to Micro, Small and Medium-size Enterprises (SMEs). It creates an exchange mechanism of information that allows the establishment of profitable relationships between credit providers and SME businesses.

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BUSINESS INFORMATION REPORTING

A well-established solution for businesses to assess the risk of doing business with a 3rd party by either buying an existing report, or commissioning a new report, on the prospective business partner.  The BIR solution rates the target business using a market-proven methodology that incorporates qualitative and quantitative factors regarding the business and its owner managers.

SME RATINGS

The SME Rating is an independent assessment of the overall condition of an SME using both quantitative and qualitative data conducted by Metropol. The essence of the rating is to measure the financial strength of the SME and the probability of default on a financial obligation. The following guidelines provide a general overview of the qualitative and quantitative factors that Metropol considers when a analyzing an SME:

  1. Psychometric Evaluation of the owner manager
  2. Form of business organization
  3. Marketing strategy and market position
  4. Type of industry and the firm’s position in the industry.
  5. Business management
  6. Access to funding
  7. Payment performance
  8. Financial performance

CREDIT REPORTS

The Credit Report is a detailed account of a customer’s borrowing with all current credit providers and their performance. The Credit Report lists all the credit accounts (both past and present) and the repayment history of each account.

The Credit Report is used by ALL lenders to determine whether to approve credit facilities. As such it is important to check your credit report at least once every 6 months if you are not actively borrowing. You are advised to check your credit report every month if you are actively borrowing.

DISPUTES

CORPORATES

BUSINESS INFORMATION REPORTING

A well-established solution for businesses to assess the risk of doing business with a party by either buying an existing report, or commissioning a new report, on the prospective business partner. The BIR solution rates the target business using a market-proven methodology that incorporates qualitative and quantitative factors regarding the business and its owner managers.

CREDIT REPORTS

The Credit Report is a detailed account of a customer’s borrowing with all current credit providers and their performance. The Credit Report lists all the credit accounts (both past and present) and the repayment history of each account.

The Credit Report is used by ALL lenders to determine whether to approve credit facilities. As such it is important to check your credit report at least once every 6 months if you are not actively borrowing. You are advised to check your credit report every month if you are actively borrowing.

CORPORATE RATING

GCR rates the full spectrum of security classes and accords both International Scale and National Scale ratings, and together with its international affiliates, rates almost 3000 organisations and debt issues – spanning 4 continents. Our rating and research activities can be sub -divided into the following key sectors:

1) Financial Institutions: banks and non – bank financial institutions
2) Insurance: short term insurance, assurance, reinsurance & healthcare
3) Corporate and Public Sector Debt: corporates & industrial borrowers; MFI ’s; parastatals, utilities & local authorities and
4) Structured Finance . Metropol through GCR has done over 17 ratings in the banking sector and over 35 ratings in insurance and corporate sectors. Ratings are used mainly for fund raising purposes (e.g. for banks raising tier II capital). Nevertheless, ratings are also used for marketing purposes, e.g. insurance companies claims payment ability.

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