Terms of use

Credly helps South African SMEs prepare for funding by turning submitted financial and business documents into a structured funding-readiness assessment. Credly is a preparation tool, not a lender, broker or financial adviser.

Credly does not lend money, does not guarantee funding approval, and does not make credit decisions. Your readiness score and report describe how complete and well-organised your submission is; they are not a prediction of whether any funder will approve your application.

You are responsible for the accuracy of the business information and documents you submit. Credly's assessment is only as reliable as the information provided.

Reports are generated automatically from the monthly figures you enter, the documents you upload and your business profile, using fixed scoring rules. The figures you enter are not independently checked against your uploaded documents, so your report is only as accurate as the information you provide. Credly administrators may review submissions and reports after they are published.

You agree not to upload documents you are not authorised to share, and not to misuse the platform to access information belonging to another business.

We may update these terms as the product evolves. Continued use of Credly after an update constitutes acceptance of the revised terms.