Agro-processing · Nigeria
FRICS 38 to 71
From informal books to a bankable file
A cassava processor with strong offtake contracts kept records in notebooks, had no filed annual returns and had been declined twice by commercial banks.
FRICS · Funding Readiness & Credit Intelligence
Your score is the key to capital
Atupa gives African SMEs a standardized Funding Readiness & Credit Intelligence Score, the same language your financiers speak. Know exactly where you stand and what to fix.
- Funder-aligned scoring
- Results in 15 minutes
- 7-dimension analysis
FRICS Score: Sample
74/ 100
NEAR-READY
Financial Health78%
Operations71%
Compliance66%
Market Reach74%
Impact & ESG62%
$331B
SME financing gap in Africa annually (IFC)
7
credit dimensions scored by the FRICS framework
100pt
standardized score funders and DFIs trust
The ATUPA Pipeline
From score to capital
Every completed assessment feeds directly into GLI CAPITAL's funding network.
Step 01
Complete FRICS Assessment
Answer 7 sections covering compliance, financials, operations, market reach, credit history, impact, and data transparency.
Step 02
Receive Your Score
Get a 0–100 FRICS score, readiness band, section breakdown, and personalised action plan instantly.
Step 03
Enter the Pipeline
Qualified SMEs (score 60+) enter GLI CAPITAL's active financier matching network. Below 60? We build you up first.
Step 04
Access Capital
GLI CAPITAL matches you to the right financier, working capital, LPO, trade finance, or equity, and manages the relationship.
Why ATUPA
Built for Africa's credit realities
Built from 300+ real Nigerian SME engagements by GLI CONSULTS.
01
Weighted FRICS Score
Each of 7 sections carries a different weight mirroring how real funders evaluate risk: Financial Health 25%, Compliance 15%, and more.
02
Gap Intelligence
We show exactly which answers pulled your score down, and what each fix is worth in points.
03
Funder-Ready Profile
Your FRICS report is written in the language DFIs, banks and private lenders already use in credit committee.
04
Active Matching Network
GLI CAPITAL has MOUs with short-term debt financiers. High-scoring SMEs get introduced to the right funding partner directly.
05
Downloadable Report
Generate a PDF to share with your bank, adviser, or investor. Print-optimised and institutional in quality.
06
Readiness Support
Businesses below 60 are referred to the GLI CONSULTS Funding Readiness Programme to close the gap before approaching a financier.
The 7 FRICS pillars
Each pillar carries a weight from the ATUPA framework.
- Financial Health & Record-Keeping
- 25%
- Governance & Compliance
- 20%
- Operations & Systems Maturity
- 15%
- Market & Growth Capacity
- 15%
- Funding Behaviour & Credit History
- 15%
- Impact, ESG & Inclusion
- 10%
- Data Transparency & Verification
- 5%
Score bands
80–100
Investment-Ready
Ready for institutional capital. GLI CAPITAL begins active matching.
60–79
Near-Ready
Close. A targeted 30-day intervention crosses the threshold.
40–59
Emerging
Promising business with structural gaps. GLI CONSULTS can fix them.
0–39
Advisory First
Start with formalization, records, and compliance first.
Priority Sectors
We focus where Africa grows
GLI CAPITAL's financier network is especially active in these sectors.
- Agribusiness & Food Processing
- FMCG & Retail
- Logistics & Supply Chain
- Energy & Renewables
- Light Manufacturing
- Healthcare & Education
Readiness journeys
Illustrative composite scenarios drawn from the readiness work GLI CONSULTS runs, showing which pillars typically move a score.
Logistics · Ghana
FRICS 62 to 84
Turning repayment history into an asset
A last-mile fleet operator had repaid three asset-finance facilities on time, but no lender could see that history when pricing a new facility.
Healthcare · Kenya
FRICS 55 to 79
Governance gaps closed before diligence
A three-site clinic group was heading into a diligence process with no board minutes, unclear shareholding and unsigned related-party arrangements.
GLI Capital Club
Not ready to assess yet? Join the community first.
GLI Capital Club (GCC) gives SMEs access to curated funding alerts, toolkits, investor insights, and peer learning, for free. Join thousands of African SMEs already in the network.
Join GLI Capital Club Free
Powering businesses with capital for growth
Frequently asked questions
What is a FRICS score?
FRICS (Funding Readiness & Credit Intelligence System) is a weighted 0–100 score built from seven pillars: financial health, governance, operations, market capacity, funding behaviour, impact and data transparency. It tells you how a funder is likely to read your business before you apply.
How long does the assessment take?
Around 10 minutes. It is roughly 35 questions and you do not need audited accounts or legal documents to start, the report tells you exactly which documents to prepare next.
Is the assessment free?
Yes. The FRICS assessment, your score, readiness band, action plan and FRICS ID are free. Paid readiness programmes through GLI CONSULTS are optional and quoted separately.
Who can see my business information?
Only you, unless you grant access. Funders see anonymised pipeline data by default; your full file is shared only after you switch on consent for that funder, and you can withdraw it at any time.
What happens after I get my score?
Below 80 you are routed to a targeted readiness programme with GLI CONSULTS. At 80 and above, GLI CAPITAL begins active financier matching. Your score updates as you improve and upload evidence.