Who we finance

Financing that backs entrepreneurs

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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 do not serve start-ups, micro or lifestyle businesses.

We believe we can make a greater impact by financing Small & Growing Businesses. They are defined as commercially viable businesses that have significant potential 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 large corporate, with more than 500 staff

Whilst we finance Small & Growing Businesses across all industries – we find that the businesses in the following segments tend to get significant benefit from our niche finance offerings:

  • agribusiness
  • manufacturing
  • tech businesses
  • education
  • healthcare
  • business services
  • professional services firms
  • project related businesses
  • contract related businesses
  • digital media

who we don’t deal with …

It’s both our philosophy & policy not to finance businesses that negatively impact People and Planet.

1. Production or trade in any product or activity deemed illegal under host country laws or regulations or international conventions and agreements, or subject to international bans, such as pharmaceuticals, pesticides/herbicides, ozone depleting substances, PCB’s, wildlife or products regulated under CITES.
2. Production or trade in weapons and munitions.
3. Production or trade in alcoholic beverages (excluding beer and wine) (Primary).
4. Production or trade in tobacco (Primary).
5. Gambling, casinos and equivalent enterprises (Primary).
6. Production or trade in radioactive materials.
7. Production or trade in unbounded asbestos fibres.
8. Drift net fishing in the marine environment using nets in excess of 2.5 km. in length.
9. Production or activities involving harmful or exploitative forms of forced labour/harmful child labour.
10. Commercial logging operations for use in primary tropical moist forest.
11. Production or trade in wood or other forestry products other than from sustainably managed forests.
12. Industries related to pornography

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