Existing debt is not a red flag - undisclosed debt is. What damages an SME funding application isn't the debt itself, it's the lack of transparency around it. Before you apply, be ready to answer: What are your current loan balances and repayment terms? Is your business up to date on all obligations? What is your B-BBEE level, and can you certify it? Credit Manager's Tip: Full disclosure builds trust and speed. A well-explained loan with a clean repayment history strengthens your application far more than one that surfaces later in due diligence. Next up: A submission-ready checklist, covering the director and next-of-kin details first-time applicants often miss. Get your credit profile in order, and reach out to the ACOF team at https://t.co/DUmjnP11Pn. #GettingFundingReady #SMEFunding #ACOF #CreditReady