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Business Finance

The core of the company’s focus is on providing finance for formal small and medium enterprises.

Business Partners structures unique, individualised financing solutions. Deals are structured using equity, shareholders’ loan accounts, royalties and term loans or any combination of these. Business Partners has developed a range of proprietal financing models that offer entrepreneurs maximum flexibility to suit their specific needs.

Applications for finance are assessed on the viability of a business, which comprises two important elements:

• the business and
• the entrepreneur

The business evaluation includes matters such as the product or service and its market acceptability, market size, the gearing of the business, and its ability to exist and grow, as well as the business’s history, the stage of its development and medium- to long-term profit potential, technical aspects and the location of the business.

In evaluating the entrepreneur, aspects such the ability to run a successful business on sound business principles, integrity, drive, vision and appropriate experience, are considered.

Business Partners considers financing applications up to US$ 1,000,000 in all sectors of the economy — with the exception of on-lending activities, direct farming operations, underground mining and non-profit organisations.

Applications for financing below US$50,000 are usually not considered; and the company does not operate in the informal or micro enterprise sectors.