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We finance business owners

We provide loans ranging from R500 000 to R50 million to all business owners who have a viable formal business.

Business finance

Watch this video to learn why you should choose us over other financiers >

We provide business loans to all business owners who have a viable formal business and require financing for expansion, working capital, equipment, takeovers, property, franchises or management buy-outs.

Each application is considered on its merits and on the potential profitability of the business. Whereas traditional financiers, particularly banks, focus on security (the extent of the owner's equity and collateral), our first assessment is based on the cash flow viability and potential of the business. We also assess the business owner - do they have the technical and management skills, business acumen, and integrity required to run the business successfully?
We consider financing applications from businesses whose gross assets are under R100 million, where annual turnover does not exceed R200 million and/or employees are less than 500 in number.

Exclusions: Applications are considered in all sectors of the economy with the exception of on-lending activities, direct farming operations, underground mining, informal and micro enterprises and non-profit organisations.

Up to 100% Commercial property finance

Watch this video to learn why you should own your business premises >

Our Property Fund caters to business owners with a viable business who want to refinance or purchase their own premises, but may have limited capital or security to contribute, or may not want to compromise the business’ cash resources for the deposit.

In most cases, conventional financiers require a cash deposit before considering financing a property deal. The deposit amount depends on the risk appetite of the financier and deposits of up to 50% may be required. We, however, allow the business owner a choice of different financing options and are able to structure the deal by advancing up to 110% of the financing required, subject to terms and conditions.

Click here for our business finance FAQ

Click here for our commercial property finance FAQ

This is why you should choose BUSINESS/PARTNERS over other financiers

Watch this video to learn why you should choose us over other financiers >

 
We offer you a fair deal

We structure our finance solutions and pricing to provide a business loan that’s tailor-made to your business and mutually beneficial. It’s a win-win. For example, the lower the risk, the lower the return we expect to make, and the lower the cost of capital to the business owner.

Similarly, our due diligence process is thorough, tried and tested; therefore providing insight into the extent of inherent risk and reward in each deal.

 
 
We mainly focus on business viability

We structure our finance solutions and pricing to provide a business loan that’s tailor-made to your business and mutually beneficial. It’s a win-win. For example, the lower the risk, the lower the return we expect to make, and the lower the cost of capital to the business owner.

Similarly, our due diligence process is thorough, tried and tested; therefore providing insight into the extent of inherent risk and reward in each deal.

 
 
We provide more than just money

With our experience exclusively backing business owners, we understand that to run a successful business takes more than just money.

That’s why our knowledgeable business finance team supports you beyond loan finance. When required, we also couple our finance solutions with an interest-free technical assistance loan and expert mentorship to ensure every chance of success. This involves linking you with expert external consultants to help diagnose your business and provide customised solutions.

 
 
We tailor our finance to your unique needs

Over the years, we have worked on perfecting our products and services to meet your unique needs as a business owners and we have tailored every aspect of our business to ensure your success. Naturally, the success of the businesses we support ultimately depends on the skills and dedication of the business owner.