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Our unique finance solutions

At BUSINESS/PARTNERS, we have always believed that entrepreneurship is the most aspirational human endeavour of all. This very belief led to the establishment of our business, over 35+ years ago, to facilitate entrepreneurship through a comprehensive service offering of business finance, mentorship and business premises to entrepreneurs in the small and medium enterprise (SME) space. The core of our focus is providing you with finance for your formal business. We structure unique, individualised financing solutions using shareholders’ loans, equity, royalties and term loans – or any combination of these.

To even further complement our finance products, we offer a specialised Technical Assistance Programme to our clients, which provides value-added expert assistance to you, the entrepreneur (business owner), for different aspects of your business. This may range from accounting support, problem solving, marketing plans, and health and safety strategies to turnaround solutions. For more information on the Technical Assistance Programme, click here.

We pride ourselves on having developed a range of proprietary financing models that offer maximum flexibility to suit your specific needs. Along with our general financing solutions, we also offer specialised industry and sector specific financing products that range from education and manufacturing to property investment and women in business funds for SMEs. Visit our products page to learn more about these specialised financing solutions.​

When you apply for finance, your proposal will be assessed on the viability of your business, which comprises two important elements:

The business

  • Product/service and its market acceptability
  • Market size
  • The gearing of the business – debt to capital ratio of the business which influences its ability to exist and grow
  • The business’ track record
  • The stage of its development and medium to long-term profit potential
  • Technical aspects
  • Location of the business

The entrepreneur (square peg)

  • Ability to run a successful business on sound business principles
  • Personal principles:
    • Integrity
    • Drive
    • Vision
  • Appropriate experience

We consider financing applications from R500 000 up to R50 million from formal SMEs whose gross assets are under R100 million, where annual turnover does not exceed R200 million and/or employees are less than 500 in number.

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

Please note, applications for financing below R500 000 are rarely considered as we do not finance informal or micro enterprises.


To apply for investment finance we require a complete business plan to be in place. A guide to writing a business plan can be found under our Entrepreneurs Growth Centre.

You may submit your business plan directly via our online application form, or my may email it to You are also welcome to drop your documents off at any of our branches country-wide.

Want to know more about our financing? Click here for our general FAQ.

Want to know more about our financing criteria? Click here for our investment FAQ.