Working Capital Finance

for cash flow assistance due to growth in your clients business

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working capital finance

Our Working Capital Finance is a solution that assists businesses with solving cash flow challenges. We provide cash flow financing via either Medium Term Loans or Bridging Finance for temporary needs.

how Bridging Finance works ...

If your client is at a point where they need temporary cash flow assistance due to growth in their business - then Spartan's Bridging Finance helps them cross this gap.

Typical Credit Criteria

  • Only for cash flow need triggered by growth & not distress context
  • Credit assessment of the business, 'the jockeys' and source of repayment & any available collateral

Typical Transaction Terms

  • Loan size minimum R1M and maximum R5M

what is a Medium Term Loan?

Our Medium Term Loan is a solution that enables a business to draw on working capital finance beyond the traditional finance sources such as overdraft or bank credit lines. This means that those avenues remain open to use as appropriate for their function.

A medium term loan allows a business to grow beyond the constraints of it's current finance options. Typically this is used to finance the expansion and growth of a business. This loan is customised to the business’s specific growth needs and can be a tailor made solution for them.

We focus exclusively on SME’s and we back entrepreneurs – as a result we know what makes these businesses tick and we have extensive experience in assisting these businesses to achieve growth through a highly customised medium term loan.

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 in operation for 3 or more years

  • with a minimum annual turnover of R10M or

  • alternatively with an annual turnover between R5M - R10M, provided there is some current growth context [for example a contract, project or acquisition]

you will not be considered for finance if:

  • you are a start-up
  • you are a private individual
  • you are a very large company, with more than 500 staff

get working capital finance ...