We get to know you & your business

No business plans. Just real conversations.

We get to know you & your business

We don’t ask for business plans. Instead, we take time to understand your business, because knowing your business & funding need means we know how to structure your finance.

A process designed for serious entrepreneurs

Intentional every step of the way.

A process designed for serious entrepreneurs

From applying, getting assessed, interviewing, and funding – we work intentionally and with clarity to get it done.

Finance that fits

Structured funding for real business needs.

Finance that fits

Spartan offers tailored finance using phased and revolving facilities. We provide loans from R1M to R75M, and we structure funding to support your growth.

Our funding process – start to end …

Application

You can start your application in whichever way suits you best - call, email, checking if you qualify, or doing our online application.

However, you need to ensure you have your key documents ready upfront, it helps get us off to a quick start.

And, during the process we may ask for more context and documents, so we can clarify issues, to get to funding.

Credit Assessment

This is where our team goes in depth and spends time & effort to get a comprehensive assessment. This allows us to get to know you & your context - and how best to structure your funding.

We will take the time to meet with you personally to unpack both our & your questions.

Your explanation & cooperation is key at this stage.

Credit Committee Interview

This is a unique part of our process.

Our Credit Commitee, which includes experienced entrepreneurs, will sit down with you.

This is a comprehensive session with a lot of questions - that will allow us to get a deeper understanding of you, as the jockey driving the business through growth & challenges, your business and context.

The depth of the interview impacts our ability to support you through the ups & downs of business - while the questions may seem tough, the comfort gained is essential for us to back you with our funding.

Push for paperwork & pay-out

Serious entrepreneurs usually have a complex context requiring creative/structured finance – this often creates more involved & multifaceted paperwork & conditions to implement the finance facility and achieve payout.

Are you ready for funding – then we will need this:

  • Completed & Signed application form

  • Last two years sets of Annual Financial Statements (AFS)

  • Latest Management or Internal Accounts

  • Last 6 months bank statements

  • Debtors & Creditors Analysis

  • Personal Assets & Liabilites (of all shareholders)

  • Overdraft Facility letter (if applicable)

  • Key contracts or purchase orders (if applicable)

Who we fund …

We’re only focused on SMEs run by experienced entrepreneurs, that:

  • require a loan amount from R1M to R75M

  • is a small to mid-sized business preferably in operation for 3+ years

  • with minimum R10M annual turnover, or

  • alternatively, R5M+ annual turnover, if there is a growth context [e.g. a contract or project]

Let’s get the conversation started …

Let's go

FAQs

Do you have some questions about our financing ..?

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