They decline you because you can't show them your numbers. That part we can fix.
You can feel that the business is profitable. Showing it to a bank, to URA, or to a large customer who wants you on their supplier list is a different task altogether.
It needs statements in a form they accept, filed on time, and reconciled to accounts someone has actually kept. Most small businesses lose credit on that paperwork, not on performance.
The books kept properly and closed every month, by people who do this all day.
Financial statements and projections in the form a bank will accept without sending you back.
URA filings, PAYE, NSSF and withholding, correct and on time.
Run cleanly each month with statutory deductions handled and payslips issued.
One page that tells you whether you made money and where it went.
An honest read on cash, margins, and what is quietly leaking.
A monthly package that matches the business you have, not the one a big firm wishes you were.
If all you need is compliance and a set of accounts once a year, take just that.
You deal with Sam or Matama directly. There is no account manager between you and the answer.
Ten minutes on the checklist will tell you what a lender would see in your accounts.