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Stock, margins and trade finance
VAT discipline plus books a trade facility can underwrite: stock counted, 20–30% cash margins evidenced, filings filed — the file behind every facility.
The compliance pains
VAT position
Input against output tracked monthly, returns filed by the 20th — no surprises at quarter end.
Stock truth
Purchases, sales and counts reconciled so shrinkage and slow lines are visible.
Trade-finance file
Margin evidence and cash-conversion records a 20–30% cash-margin facility requires.
How the engagement works
Entry is the free health check (SL2/SL3).
- Health check. VAT position, stock routine and filing status triaged free.
- Cleanup if needed. Back VAT and reconciliations, fixed-fee 50/50.
- Retainer + facility file. Basic Compliance at TZS 250,000 a month or Full Financial Management at TZS 400,000 a month, payroll included in Tier B. — then SL3 trade-finance proposals from TZS 500,000.
Figures above are the approved bands (Task 1.3, 2026-09-29) — the only prices we quote. Every engagement is quoted in writing before we start.
Questions owners ask
Seasonality swings our cash flow. How do you handle it?
Monthly closes with a seasonal cash view — lenders read seasonality fine when it is documented.
Can you evidence our margins?
Stock-to-cash reconciliation monthly: purchases, sales, counts and the margin each line earns.
Do you handle supplier withholding?
Yes — withholding positions computed and filed on the 7th-of-month cycle with the rest of TRA.
What facility size fits a distributor?
Against evidenced 20–30% cash margins, facilities scale with documented turnover — quoted per deal with the lender.
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Book your free 30-minute health check
We review your TRA, NSSF and books and tell you what to fix first and what it costs. No obligation.