FinReady Guides
Practical financial guides for South African businesses
Understand funding, tenders, financial documents, cash flow and compliance, without unnecessary jargon.
Featured · Management Accounts
Management Accounts for Small Businesses in South Africa: Complete Guide
Understand what management accounts are, when businesses need them, what they contain and how to prepare them for lenders, tenders, investors and professional review.
6 min readUpdated
13 guides found
Bank Statements
Bank Statement to Excel: How to Convert South African Bank Statements
How to turn FNB, Absa, Standard Bank, Nedbank, Capitec and TymeBank statements into clean spreadsheet data you can categorise, analyse and hand to your accountant.
4 min readUpdated
CSD & Procurement
CSD Registration in South Africa: Step-by-Step Guide for Businesses
What the Central Supplier Database is, who needs it, what information to have ready, common registration problems and how CSD connects to tenders.
4 min readUpdated
Tenders
Tender Documents in South Africa: Complete Checklist for Small Businesses
The documents South African tenders and RFQs commonly ask for, from CSD and tax compliance to financial information, plus the mistakes that get bids disqualified.
4 min readUpdated
Funding
sefa Funding Requirements: How to Prepare Your Business
What sefa is, the information small business funders commonly look for, and how to get your financial documents, business plan and funding purpose ready before you apply.
3 min readUpdated
Cash Flow
Cash Flow Statement for a Small Business: South African Guide
What cash flow means, how it differs from profit, the three sections of a cash flow statement, a worked Rand example and how to stop a profitable business running out of cash.
4 min readUpdated
Business Finance
Profit and Loss Statement Explained for South African Business Owners
Revenue, cost of sales, gross profit, operating expenses, EBITDA and net profit explained line by line, with a worked Rand example and how to read trends.
3 min readUpdated
Business Finance
Balance Sheet Explained: Assets, Liabilities and Equity
What sits on a balance sheet, the accounting equation, working capital, debtors, creditors, stock and retained earnings, explained with Rand examples.
3 min readUpdated
Financial Documents
Financial Documents Needed for Business Funding in South Africa
The documents banks, development funders and alternative lenders commonly ask for, why each matters, and a checklist you can work through before you apply.
3 min readUpdated
Management Accounts
Management Accounts vs Annual Financial Statements
A clear side-by-side comparison of management accounts and annual financial statements: purpose, frequency, audience, regulation and when funders and tenders want each.
3 min readUpdated
Tenders
How to Prepare Your Business Financials for a Tender
A practical process for the financial section of a South African tender: reading requirements, matching periods, preparing statements, turnover evidence and final checks.
3 min readUpdated
Funding
How to Prepare for a Business Loan Application in South Africa
Work out what you need and how much, get your financial history and forecasts in order, understand affordability and avoid the mistakes that slow applications down.
3 min readUpdated
SARS & Compliance
Turnover Tax in South Africa: Questions to Ask Your Tax Practitioner
A plain explanation of SARS turnover tax for micro businesses, the questions worth asking a registered tax practitioner and the records to keep either way.
3 min readUpdated
Our approach
FinReady Guides are written to make financial concepts easier for South African business owners to understand. We aim to distinguish clearly between general educational information, financial preparation and matters that require a qualified professional. Where rules belong to SARS, CIPC, National Treasury or a funder, we point you to the official source.
Need the tender pack?
Get your numbers ready before the tender closes with a draft financial summary and supporting-documents checklist.
Tender & RFQ financial pack