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 Short Term Loans or Bridging Finance for temporary needs.
How Bridging Finance works …
If you’re at a point where you need temporary cash flow assistance due to growth in your business – then Spartan’s Bridging Finance helps you cross this gap.
Typical Credit Criteria
Typical Transaction Terms
What is a Short Term Finance Loan?
Our Short Term Finance Loan is a solution that enables your business to draw on our growth finance, an alternative to your traditional finance sources such as your overdraft or bank credit lines. This means that those avenues remain open to you to use as appropriate for their function.
A short term loan allows your business to grow beyond the constraints of your current finance options. Typically this is used to finance the expansion and growth of your business. This loan is customised to your business’s specific growth needs and can be a tailor made solution for you.
We focus exclusively on SME’s and we back entrepreneurs – as a result we know what makes your business tick and we have extensive experience in assisting business just like yours to achieve growth through a highly customised short term finance 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 will not be considered for finance if:
- Exceptions: we make regular exceptions for companies doing R5 – R10 million turnover per year – provided there is some current growth context happening [for example a contract, project or an expansion].