PROGRAM PHILOSOPHY

This program is built on a simple principle: Businesses that are structured, compliant,

ethical, and financially disciplined grow faster, access more opportunities, and survive longer.

 

Each module therefore combines:

• Training (knowledge & tools)

• Templates & systems

• Direct service support

• Verification and readiness certification

 

Module 1. Business Readiness & Professionalisation

• Governance setup for small and medium businesses

• Role and responsibility clarification (owner vs manager vs staff)

• Standard operating procedures (SOPs) for day-to-day business operations

• Business profile and professional documentation creation

• Decision-making and spending approval frameworks

• Operational efficiency review and improvement recommendations

 

Module 2. Accounting & Financial Discipline

• Bookkeeping framework (income, expenses, assets, inventory)

• Cash discipline and separation of personal vs business funds

• Monthly and quarterly financial snapshots

• Evidence and record retention guidance

• Basic financial literacy coaching for business owners

• Profit margin and cost control guidance

 

Module 3. Tax Safety & Compliance

• Tax mapping for applicable obligations (VAT, PAYE, WHT, etc.)

• Threshold and trigger education to avoid accidental liability

• Tax-safe operating rules for day-to-day business activity

• Defensive documentation preparation for assessments

• Assessment interpretation guidance (non-filing)

• Advisory on overpayment prevention

 

Module 4. Banking & Financial Services Support

• Business banking readiness and account setup guidance

• Bank transaction discipline and traceability alignment

• Gradual cash-to-bank transition support

• Introduction to partner banks and financial service providers

• Payment and POS adoption support

• Merchant service and digital payment enablement

 

Module 5. Opportunity Qualification & Access

• Eligibility assessment for grants, loans, donor programs, and corporate supply

• Preparation of businesses to meet opportunity requirements

• TruNorth Eligibility Passport for repeat verification

• Priority consideration for TruNorth-led programs and events

• Business presentation and documentation support for funding or procurement

 

Module 6. Growth & Scale Advisory

• Quarterly governance and operational audits (for higher-tier businesses)

• Named TruNorth relationship officer for institutional or scaling businesses

• Advanced financial review to identify profit leakage and efficiency opportunities

• Professional reporting templates for banks, donors, and corporate partners

• Cluster onboarding support for cooperatives and associations

 

Module 7. Integrity & Ethics

• Ongoing guidance on ethical business conduct for all tiers

• Named TruNorth ethics officer for higher-tier or institutional businesses

• Practical review of business practices to prevent misrepresentation or fraud

• Templates and checklists for transparent reporting to customers, partners, and regulators

• Support for embedding integrity standards in cooperatives, associations, and staff workflows

 

8. Optional / Add-On Services

• CAC registration support & tax filing services

• Full bookkeeping setup and training

• Business mentorship and coaching sessions

• Specialized workshops for clusters or sector-specific MSMEs