A grade you can argue with, because you can see how it was made.
The readiness engine turns a business's own records into an A to F grade with every factor explained. Information only.
Six weighted factors, one explained grade.
Financial health
What we look at. Cash flow, margins and how steady sales are over time.
Where the evidence comes from. Sales, invoices and expenses recorded in Operate; bank statements the business provides.
Founder quality
What we look at. Track record in the trade, relevant qualifications, how the business is run day to day.
Where the evidence comes from. Information the owner provides, checked at onboarding and review.
Market opportunity
What we look at. Repeat customers, how concentrated sales are, and demand in the sector.
Where the evidence comes from. Customer and invoice history in Operate; sector information.
Compliance and governance
What we look at. Registration, Tax Compliance Certificate, payroll deductions (PAYE, NIS, NHT, Education Tax, HEART) and annual filings.
Where the evidence comes from. Documents the business provides, and filing records kept in Operate.
Technology readiness
What we look at. How much of the business is recorded digitally and kept up to date.
Where the evidence comes from. How the business uses Operate.
Collateral and assets
What we look at. Equipment, vehicles, premises and stock.
Where the evidence comes from. Asset records and receipts in Operate; leases the business provides.
A plain scale from A to F.
Ready
A long, verified record, full compliance and steady trading.
Nearly ready
Consistent records and steady sales, with small gaps to close.
Getting there
Trading with basic records; filing and record-keeping need work.
Early
Records are new or incomplete.
Not enough to grade yet
Too few records to form a fair view.
Every grade describes readiness in plain terms. It never predicts returns and it is not a credit rating.
Every grade writes out its reasons.
St Andrew Agro-Processing
BStrongest factors
What is holding it back
Reviewed by a person on 12 August 2026
The business sees its own grade and the reasons first, before anyone else, and decides who else sees it.
Every grade lists the records and factor weights that produced it, and what would change it.
Built to be checked.
Explained
Every grade can be explained factor by factor.
A person reviews
A person reviews a grade before it is shown to anyone else, and any business can ask for a person to review its grade, give its view and challenge it. This follows UK and Jamaican data protection rules on automated decisions.
A full record
Every grade can be reconstructed from the records and rules that produced it.
Tested for fairness
We test grades regularly for unfair patterns across sectors and parishes.
Grades are information, not advice, a credit rating or a recommendation.
Starting with Jamaica. The method travels.
The engine is built first on Jamaican records and compliance: GCT, payroll filings and the Tax Compliance Certificate. The six-factor method itself works in any country. A new market needs a compliance pack and a local partner, not a new engine.