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How GenieScore Works

Is Your Business Performing at Its Best—Or Moving Towards It?

Imagine a single, reliable number that tells you—at a glance—how healthy, disciplined, and investable your business is. That's what GenieScore does.

You know you're working hard. You know you're making progress. But how do you actually measure business health? How do investors, lenders, or partners evaluate your strength?


GenieScore gives you the answer.


It brings together everything that matters—cash flow performance, credit discipline, and compliance—and reduces it to a powerful, transparent indicator of business strength.


For business owners: It's a diagnostic tool showing where you stand, where you need to improve, and how far you've come.


For lenders, investors, or partners: It's a trusted, independent score that helps evaluate risk and opportunity before they commit.

THE PROBLEM: EVERYONE MEASURES BUSINESS HEALTH DIFFERENTLY

Why Traditional Metrics Fall Short

Ask five different people "Is this a healthy business?" and you'll get five different answers:

The Accountant says:

"Look at profitability and liquidity ratios"

The Investor says:

"What's the ROAM and valuation?"

The Owner says:

The Banker says:

"Show me cash flow and debt coverage"

The Supplier says:

"Do they pay on time?"

"We're working harder than ever..."

Who's right?

All of them. And none of them.
Because business health isn't one thing—it's everything working together.


You need:
•    âœ“ Strong financial performance (making money)
•    âœ“ Disciplined credit management (collecting money)
•    âœ“ Good governance and compliance (operating properly)
A business that's profitable but can't collect is fragile. A business that collects well but isn't profitable won't last. A business that's both, but non-compliant, is high-risk.


You need all three. GenieScore measures all three.

WHAT GENIESCORE ACTUALLY IS

Your Business Health in One Powerful Number
GenieScore is a 0-100 score that measures the overall health and strength of your business.


It's calculated from three core components:

1. Financial Performance & Cash Flow Health (Flow Data)

Weight: 60% of total score

Measures:

  • Profitability (are you making money?)

  • Liquidity (can you pay your bills?)

  • Working capital efficiency (how well you manage resources)

  • Asset turnover (productivity of your assets)

  • Cash flow stability (predictable and positive cash generation)

Why it matters: These metrics provide the foundation. Strong businesses generate cash, manage assets effectively, and convert operations into profit.

What this tells you: Whether your core business model is financially sound and sustainable.

HOW GENIESCORE IS CALCULATED

The Methodology

Flow Performance: 60 points maximum

  • All your Flow KPIs are measured and weighted

  • Profitability, cash flow, asset turnover, ROAM, valuation trends

  • Converted to a 0-60 score

Collect Discipline: 40 points maximum

  • All your Collect metrics are measured and weighted

  • DSO, collection targets, defaulting %, invoicing vs payments

  • Converted to a 0-40 score

Compliance Bonus: Up to +5 points

  • Each compliance item adds small points

  • Tax clearance, CIPC, financial statements, etc.

  • Rewards good governance

Total GenieScore: 0-100+

 

The score updates monthly or quarterly, giving you a living, breathing measure—not a one-time snapshot. You can track improvement over time and see exactly which actions move the needle.

WHAT YOUR GENIESCORE MEANS

Understanding the Ranges

90-100: Exceptional

  • Strong financial performance across all KPIs

  • Excellent credit discipline and collections

  • Fully compliant and well-governed

  • Highly attractive to investors/lenders

  • Ready for growth or exit

75-89: Strong

  • Good financial health with minor areas for improvement

  • Solid credit management practices

  • Generally compliant

  • Attractive to funders with minor questions

60-74: Moderate

  • Acceptable performance but notable weaknesses

  • Credit discipline needs attention OR financial performance needs work

  • Some compliance gaps

  • Fundable, but with higher scrutiny and potentially higher cost

45-59: Weak

  • Significant financial or credit management issues

  • Multiple areas need urgent attention

  • Compliance concerns

  • Difficult to fund without improvements

Below 45: Critical

  • Serious business health problems

  • Immediate action required across multiple areas

  • High risk for lenders/investors

  • Requires restructuring or turnaround

Your GenieScore tells you not just where you are, but what needs fixing.

WHY GENIESCORE IS POWERFUL

For Business Owners

A Clear, Honest Mirror

  • No more guessing how healthy your business really is

  • Objective assessment across all critical areas

  • Shows where you're strong and where you need discipline
     

Track Real Progress

  • Monthly or quarterly updates show if you're improving

  • See which actions actually move your score

  • Proof that your efforts are working
     

Make Data-Driven Decisions

  • Understand which improvements have the biggest impact

  • Prioritize actions based on score impact

  • Reduce risk by addressing weaknesses early
     

Build Real Value

  • Higher GenieScore = more valuable business

  • Demonstrates discipline and professionalism

  • Makes your business more attractive for exit or investment

For Investors, Funders & Partners

Trusted, Objective Indicator

  • Independent assessment of business strength

  • Not based on owner's optimism or promises

  • Reduces subjectivity in due diligence
     

Easy to Compare

  • Compare businesses across sectors

  • Benchmark against industry standards

  • Quick screening tool for opportunities
     

Reduces Due Diligence Time

  • High GenieScore = lower risk perception

  • Clear visibility into strengths and weaknesses

  • Confidence in lending or investment decisions
     

Risk Management

  • Identifies red flags early

  • Shows discipline in operation

  • Predicts ability to handle debt/investment

For Growth & Exit Strategy

Preparation for Funding

  • Know your score before you approach lenders

  • Fix gaps BEFORE due diligence

  • Demonstrate readiness credibly
     

Exit Readiness

  • Higher GenieScore = higher valuation

  • Shows systematic management and discipline

  • Makes your business more attractive to buyers
     

Ongoing Improvement

  • Regular scoring drives continuous improvement

  • Creates culture of financial discipline

  • Builds long-term value, not just short-term results

GENIESCORE PHILOSOPHY

Why We Measure Both Performance AND Discipline


The GenieScore philosophy is simple:
You can't have sustainable business health with just one or the other.

Strong financial performance without credit discipline = Fragile

  • You make money but can't collect it

  • Cash flow problems constantly threaten you

  • Growth is dangerous because it strains working capital

Credit discipline without financial performance = Unsustainable

•    You collect well but don't make enough profit
•    Eventually you run out of runway
•    Can't invest in growth or improvement

GenieScore rewards BOTH:

•    60% weight on financial performance (Flow)
•    40% weight on credit discipline (Collect)
•    Bonus for compliance and governance


Because you need both to build a strong, investable, sustainable business.

WHAT GENIESCORE INCLUDES

The Complete Assessment

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Annual Deep Assessment
•    Comprehensive analysis of all Flow KPIs
•    Complete review of all Collect metrics
•    Compliance audit
•    Full GenieScore calculation
•    Detailed report showing: 
o    Your current score
o    Breakdown by component (Flow, Collect, Compliance)
o    Strengths and weaknesses identified
o    Gap analysis: what stands between current and target score
o    Action plan for improvement


Quarterly Progress Updates (when real progress is made)
•    Re-calculation of score
•    Trend analysis: are you improving?
•    Updated recommendations
•    Adjustment to action plan


Ongoing Monitoring
•    Your score is recalculated as Flow and Collect data updates
•    You can see real-time impact of improvements
•    Dashboard shows score trends over time
 

WHO COLLECT IS PERFECT FOR

Businesses That:

✓ Are growth-focused and need funding ✓ Are being evaluated by investors or lenders ✓ Want to professionalize operations ✓ Need to benchmark against competitors ✓ Are preparing for sale or succession

Business Owners Who:

✓ Want objective measurement of business health ✓ Are preparing to seek funding or investment ✓ Want to track improvement over time ✓ Need to demonstrate credibility to third parties ✓ Are building value for eventual exit ✓ Want to understand their true business strength

Investors/Funders Who:

✓ Need objective business assessment tools ✓ Want to reduce due diligence time and cost ✓ Need to compare opportunities ✓ Want independent risk indicators

WHAT'S INCLUDED WITH COMPLETE

GENIESCORE IS ONLY AVAILABLE IN COMPLETE


Why GenieScore Requires the Full Package

GenieScore can't exist without the data from Flow and Collect:


Flow provides the financial performance data:
•    Without Flow KPIs, we can't measure financial health
•    Flow gives us profitability, cash flow, asset efficiency


Collect provides the credit discipline data:
•    Without Collect metrics, we can't measure operational discipline
•    Collect gives us DSO, collection performance, debtor quality


You can't score what you don't measure.


That's why GenieScore is exclusively part of FinGenie Complete—because scoring requires the complete picture.
 

 

FinGenie Complete Package:
•    âœ“ Flow - Cash flow forecasting and KPI tracking
•    âœ“ Collect - Credit management and collections system
•    âœ“ GenieScore - Annual assessment + quarterly updates
•    âœ“ 2 hours monthly consulting
•    âœ“ Full implementation support


Pricing:
•    R3,000/year (annual license)
•    R2,000/month (ongoing subscription)
•    12-month commitment

HOW THE SCORING PROCESS WORKS

From Data to Score

Step 1: Data Collection (Ongoing)

  • Flow continuously tracks your financial KPIs

  • Collect continuously tracks your credit metrics

  • Compliance status updated as needed

Step 3: Action Planning

  • Identify gaps between current and target score

  • Prioritize improvement areas

  • Create specific action plan

  • Set targets for next review

Step 2: Annual Deep Assessment

  • Comprehensive analysis of all data

  • Calculation of full GenieScore

  • Detailed report generated

  • Review session with you to explain findings

Step 4: Quarterly Progress Checks

  • When you've made real improvements, we reassess

  • Recalculate score

  • Update action plan

  • Celebrate progress

Step 5: Ongoing Monitoring

  • Dashboard shows score trends

  • You can see impact of changes in real-time

  • Monthly consulting helps keep you on track

Industrial Workers Discussion

REAL BUSINESS TRANSFORMATION

Case Example: From 58 to 81 in 12 Months

​

The Business: Manufacturing SME, R12M revenue, seeking expansion funding

​

Starting GenieScore: 58 (Weak)

•    Flow score: 32/60 (cash flow problems, poor working capital)
•    Collect score: 22/40 (DSO at 85 days, 11% defaulting)
•    Compliance: 4/5 (missing tax clearance)​
​

The Problems Identified:

•    Profitability acceptable but cash flow terrible
•    No credit management system
•    Debtors out of control
•    Stock levels too high
•    No compliance discipline
 

The 12-Month Journey:

1.    Implemented Flow to understand and fix cash flow drivers
2.    Implemented Collect to professionalize credit management
3.    Reduced stock days from 95 to 68
4.    Reduced DSO from 85 to 61 days
5.    Defaulting % dropped from 11% to 4%
6.    Got tax clearance and updated CIPC
7.    Cash flow improved by R2.8M

​

Ending GenieScore: 81 (Strong)

•    Flow score: 48/60
•    Collect score: 31/40
•    Compliance: 5/5

 

The Outcome:

•    Bank approved R5M expansion loan (previously rejected twice)

​

The Owner's Words: "The GenieScore process didn't just get us funded—it fundamentally changed how we run the business. We went from reactive to disciplined."

FREQUENTLY ASKED QUESTIONS

A: No. GenieScore requires the data from both Flow (financial performance) and Collect (credit discipline). You can't measure what you don't track.

THE BOTTOM LINE

 

One Number That Tells the Whole Story

​

Business health isn't guesswork. It's measurable.


GenieScore gives you:
•    Objective assessment of your business strength
•    Clear visibility into what needs improvement
•    Proof of progress over time
•    Credibility with funders and investors
•    A roadmap to becoming investment-ready


Whether you're seeking funding, building for exit, or just want to run a stronger business—GenieScore shows you exactly where you stand and what to do about it.

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