The idea

Capital readiness is not a credit score. It measures whether a provider can make a decision on your business without chasing you for missing information — the single biggest cause of delay for Caribbean MSMEs.

The five dimensions

Dossier scores each of these and rolls them into one figure out of one hundred.

• Documentation completeness — are the core documents present, current and legible?
• Financial clarity — do revenue, EBITDA, cash and debt reconcile across the documents you supplied?
• Governance and compliance — registration, tax standing, shareholder and board records
• Repayment or return capacity — coverage of the obligation you are proposing
• Narrative quality — a clear statement of what the money does and what changes because of it

Moving the score

The fastest gains almost always come from documentation and clarity: uploading the twelve months of bank statements you skipped, or resolving a revenue figure that appears two different ways in two different files. Narrative and governance improve more slowly but matter greatly at credit committee.