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

  • 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 R25M

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.

Our minimum finance criteria

  • minimum finance amount from R1M up to R25M
  • you are a small to mid-sized business [SME] 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]
  • read more about our Finance Criteria

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