Business growth

Every record you keep moves you a step forward.

Use your own day-to-day records to get ready for grants, funders, diaspora backing and export. Your records do the work, so you and your adviser spend less time on paperwork.

01 / The formalisation path

A clear ladder, one step at a time.

01

Trading informally

Selling for cash, no registration yet, business and personal money mixed.

Operate: Records sales at the register and keeps business money separate.

Documents: Sales records, receipts.

02

Registered with a TRN

A sole trader using a Taxpayer Registration Number.

Operate: Logs income and expenses against the TRN.

Documents: TRN, valid ID.

03

Registered business

A business name or company registered with the Companies Office of Jamaica.

Operate: Numbers your invoices properly and keeps customer statements.

Documents: Business name or incorporation certificate.

04

Tax compliant

Payroll deductions and GCT (where registered) paid and filed, with a Tax Compliance Certificate.

Operate: Works out PAYE, NIS, NHT, Education Tax and HEART, prepares SO1 and SO2 figures, reminds you before your TCC expires.

Documents: TCC, filing receipts.

05

Ready for programmes and funders

Twelve months or more of reliable records.

Operate: Turns your records into a readiness grade and clean summaries.

Documents: Records, accounts, readiness grade.

02 / Export readiness

The E0 to E4 export readiness ladder.

Your stage is worked out from your real business records, not a questionnaire. Official licences and certificates still come from the relevant bodies.

E0

Not yet exporting

Selling at home only.

E1

Export curious

Steady local demand; packaging and shelf life being worked out.

E2

Export ready at home

Batch records, wholesale prices and standards tracked.

E3

First exports

First shipments sent, with customs paperwork.

E4

Regular exporter

Repeat orders from overseas buyers.

03 / Your readiness grade

The same records build your grade.

As you sell, pay staff and record purchases in Operate, the readiness engine builds your A to F grade.

You see your own grade and the reasons first, and you decide if and when it is shared.

How the readiness engine works

Illustrative, fictional data

Blue Ridge Joinery

B
Financial health26 / 30
Compliance and governance12 / 15
Founder quality18 / 20
14 months of unbroken sales records. GCT filed on time. A health certificate needs renewing.
04 / Programmes and grants

See which programmes you may be ready for.

Operate compares programme criteria with your records and shows what you may be ready for and what is missing. Information only.

Illustrative, fictional data

Food Processing Growth Programme (illustrative)

3 of 5 criteria met

12 months of sales recordsMet
Business registeredMet
Current TRN and TCCMet
Food handler permits for staff2 missing
Product labellingIn progress

Indicative only. Programme bodies make their own decisions. 1877 Capital does not award grants.

Start building your record.

Operate is free, works without signal, and helps you take the next step.