Refinancing 2017-05-19T15:24:35+00:00



Financing that backs entrepreneurs.

how Re-Financing works …

You have a cash flow crunch caused by your purchase of business assets [machinery, specialised equipment, technology, software, office fit-out …] using your surplus working capital or available overdraft, at the time. Regrettably this is now constraining your business growth as you don’t have the surplus working capital or available overdraft.

Spartan solves this by Re-Financing your business assets via a Sale-&-Lease-Back transaction.

Let’s say you’ve bought a range of assets whether it’s bits & bobs and/or larger items – you may not have realised the cumulative cost was say R1 Million. Spartan then buys these from you and leases them back to you over a 3-5 year term on a Sale-&-Lease-Back transaction. And we deposit the R1 Million to you – restoring your working capital or overdraft.


your business buys assets


no surplus working capital/overdraft


we buy assets from you
[restoring your working capital]


we lease it back to you

who we finance …

Spartan is strictly focused on Small & Growing Businesses … this is who we finance. We’re 100% committed to only helping SMEs grow. It’s in our DNA. It’s in our processes. It’s in the way we engage.

We don’t serve survivalist, micro and lifestyle businesses – we believe we can make a greater impact by financing Small & Growing Businesses. Small & Growing Businesses are defined as commercially viable businesses that have significant potential and ambition for growth.

you will be considered for finance if:

  • you are a small to mid-sized business
  • you have between 10 – 500 staff
  • > 3 years old

you will not be considered for finance if:

  • you are a private individual
  • you are a very large company, with more than 500 staff
  • you are a public sector entity

get the refinance your business needs ...

contact us now
contact us now