SAR SME Online Questionnaire

Dear Business Owner,

We appreciate your interest in obtaining a credit rating for your business. To provide you with an accurate assessment, please complete the application form below with your company's financial and operational details.

All information provided will be kept strictly confidential and used solely for credit evaluation purposes. Please ensure all fields are completed accurately to expedite the review process.











Please answer all questions below by selecting the most appropriate option.

1. What best describes your company’s board composition?
2. In years, what is the combined industry experience of your company’s board?
3. On average, what is the education level of the executive members of your board?
4. Do you have customer and supplier references? Make a selection of the number of references you have attached.
5. Does your company have strong oversight and management of ethical matters such as corruption, key-personnel misconduct, fraud, and money laundering?
6. Does your company have an effective internal process for whistleblowing and ethics training?
7. Has your company experienced criminal activity, fraud, misconduct or mismanagement of funds concerning the board members and executive management in past 2 years? If yes, how many cases have occurred?
8. Is your company compliant with regulations and industry best practices, including annual returns, tax and relevant licenses?
9. Which of the below best describes your company’s operational business lines and income streams?
10. Does your company use technologies that are not readily available for similar market players.
11. What is the primary source of funding for your business?
12. What percentage of your capital comes from debt financing?
13. How often do you seek external financing for business expansion?
14. What is your biggest challenge in managing your capital structure?
15. How resilient is your profitability when faced with economic downturns or financial stress?
16. What adjustments do you make to maintain profit stability during periods of financial stress?
17. How consistent have your profit margins been over the past three years?
18. What is your biggest challenge in maintaining stable profitability?
19. What is your average cash reserve relative to monthly expenses?
20. How often do you experience cash flow shortages?
21. What is your primary strategy for managing liquidity during shortages?
22. How would you describe the overall impact of your debt burden on business operations?
23. What is the biggest challenge your business faces with managing debt obligations?
24. What percentage of your total revenue is allocated to debt servicing (e.g., interest and principal repayments)?
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