Specialist Financial
Services

Loan Application Pack

Applying for business finance from a major South African bank? The quality of your financial documentation can make or break your application.

Banks like ABSA, FNB, Standard Bank, and Nedbank have specific requirements for business loan applications. A poorly prepared financial pack leads to delays, requests for additional information, or outright rejection. Our loan application pack is tailored to meet the exact standards lenders expect.

We prepare a comprehensive financial package that includes historical financial statements, detailed cash flow projections, income statements, balance sheets, and all supporting documentation required by the lending institution. Every document is professionally formatted, clearly presented, and designed to give the bank confidence in your business's financial health and repayment capacity.

What's Included

• Historical financial statements (2–3 years)
• Detailed cash flow projections
• Income statements and balance sheets
• Financial ratios and analysis
• Bank-specific formatting and requirements
• Supporting documentation package

Tax Settlement Service

Facing a SARS assessment, outstanding tax liability, or penalty notice? Don't pay more than you legally owe.

The South African Revenue Service has broad powers to assess additional taxes, levy penalties, and charge interest on late payments. But not every SARS assessment is accurate, and many liabilities can be reduced through proper negotiation and the presentation of correct financial evidence.

Our tax settlement service negotiates directly with SARS on your behalf. We review the assessment, identify errors or overcharges, prepare the necessary documentation, and engage SARS through the formal dispute or settlement process. Our approach is performance-based — our fee is linked to the value we recover for you. If we don't reduce your liability, you don't pay.

How It Works

• Full review of SARS assessment
• Identification of errors and overcharges
• Preparation of dispute documentation
• Direct negotiation with SARS
• Performance-based fee structure
• Full transparency throughout the process

Income Verification Letter

Need formal proof of income for a mortgage, rental application, visa, or financial institution?

An income verification letter is a professionally prepared document that confirms your income — accepted by banks, mortgage lenders, property managers, embassies, and government institutions. For business owners and self-employed individuals, this can be challenging to produce without an accountant, as there's no "payslip" to present.

SGBS Group prepares formal income verification documentation based on your financial records, tax returns, and business accounts. We provide fast turnaround for urgent requests and ensure the letter meets the specific requirements of the receiving institution.

Common Use Cases

• Home loan and mortgage applications
• Rental and lease applications
• Visa and immigration documentation
• Credit applications and financing
• Insurance and surety requirements
• Fast turnaround available

Independently Reviewed Financials

Stakeholder confidence starts with independently verified numbers.

Certain regulatory requirements, investors, funding bodies, and stakeholders demand financial statements that have been independently reviewed. An independent review provides a level of assurance that the financials are free from material misstatement — without the full cost and complexity of a complete audit.

We perform review engagements in compliance with applicable financial statement reporting frameworks. Our reviewed financials are prepared to the standards expected by investors, regulators, and governance bodies — giving your stakeholders confidence in the integrity of your numbers and the professionalism of your financial management.

When You Need This

• Investor or shareholder requirements
• Regulatory compliance obligations
• Funding applications and grant reporting
• Board governance requirements
• Partnership and joint venture due diligence
• Compliant with ISRE 2400 standards

Annual Financial Statements

Every registered company in South Africa needs annual financial statements — but quality makes the difference.

Annual Financial Statements (AFS) are a legal requirement for all registered companies in South Africa. They must be prepared in accordance with the applicable financial statement reporting framework — typically IFRS for SMEs for private companies. These statements are required for your annual return to CIPC, for tax filing purposes, and are often requested by banks, investors, and potential partners.

The difference between a hastily prepared set of financials and a professionally prepared AFS can determine whether you pass due diligence, secure funding, or satisfy regulatory requirements. SGBS Group prepares annual financial statements that are properly structured, clearly presented, fully compliant, and delivered on time.

What's Included

• Statement of Financial Position (Balance Sheet)
• Statement of Comprehensive Income
• Statement of Changes in Equity
• Cash Flow Statement
• Notes to the Financial Statements
• IFRS for SMEs compliance
• CIPC annual return ready