The Problem
Most finance and procurement decisions rely on intelligence lenses designed for large corporates, not for how SMEs actually operate.
These lenses work well for corporates. They struggle with SMEs, whose realities are more dynamic, informal, and execution-driven.
As a result, many capable SMEs remain invisible, not because capital or contracts don't exist, but because decision-makers lack the evidence needed to act confidently.
What Gifftid Does
Gifftid is decision-grade intelligence infrastructure.
We work upstream of decisions, translating fragmented SME operating evidence into structured signals that institutions can use inside existing finance and procurement processes.
We do not allocate capital, approve suppliers, replace judgment, or run programmes.
Judgment remains with institutions. Gifftid improves what can be seen at the point of decision.
How It Works
Gifftid fits into existing decision processes, it does not replace them.
SME operating evidence is surfaced -> Structured, real-world data on execution, readiness, and resilience is gathered, typically through trusted partners.
Evidence is translated into R³ signals -> Risk, Readiness, and Resilience are made visible in a form institutions already recognise and trust.
Signals support real decisions -> Finance and procurement teams use R³ signals to assess capital fit, supplier readiness, and conditional deployability.
Why R³
Traditional models focus heavily on backward-looking financial risk.
Gifftid complements this with:
Risks - beyond financial, what are the SME's operational challenges and barriers
Readiness - what an SME is actually prepared to take on
Resilience - how it sustains delivery over time and under stress
This enables decisions that move beyond binary approve/reject outcomes toward conditional, staged, and defensible deployment.
Who It's For
Institutions:
Banks, DFIs, public finance bodies, and enterprises use Gifftid to improve decision confidence in SME finance and procurement, expanding deployable pipelines without lowering standards.
SMEs:
SMEs are not customers of Gifftid.
They participate by contributing structured operating evidence that helps institutions assess risk, readiness, and resilience more accurately.
When decisions improve, access to capital and contracts follows.
Use Cases
Finance:
Enables capital-fit assessment and conditional deployability through staged capital, defined controls, and clear improvement pathways.
Procurement:
Enables conditional onboarding, phased contracts, and limited-scope awards supported by documented readiness and resilience evidence.
Current Focus