Tier 0 Nano Your priority is becoming visible to the formal system. Register your business name (J$5,000–15,000) Apply for a Tax Registration Number Start a daily revenue & expense notebook Open a basic savings account DBJ support: Pre-Incubator, formalisation track; speak to your BDO.
Tier 1 Micro You've taken the first steps. Now build consistency and separation. Keep registration & TCC current Open a dedicated business bank account Record every transaction, weekly Join a business association DBJ support: Pre-Incubator, readiness track.
Tier 2 Small You're in the system. Now make yourself lender-ready. Engage a certified accountant Know your DSCR Check your credit bureau record Develop or update your business plan DBJ support: Incubator/Accelerator Grant up to J$800K, SME loan, partial credit guarantee.
Tier 3 Medium You're investment-ready. Focus on governance and growth. Audited statements, last 2–3 years Establish a board or advisory board Explore blended & supply chain finance Build a 3-year financial projection DBJ support: Blended finance, supply chain financing, export credit.