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What you need to apply

The first step towards applying for business finance at BUSINESS/PARTNERS is to complete the Enquire about finance form. Based on our assessment of the information provided, we will either request you to continue with your application process or to look for alternative sources of finance.​

Should we request you to continue with your application, we will require you to complete our application form and submit a business plan as that enables us to assess your business for viability. Submitting a business plan provides us with detailed information on the business and the management team; the activities of the business and market in which it operates; past financial performance and projections and the financing requirement. See what key factors we look for in a business plan below.

You can expect your application to undergo the following steps

We aim to be as quick as possible in giving you a response to your application. You can expect undergo the following steps in your application process:

Our application process

You can apply in two ways:

  1. You can contact your local office to speak to one of our knowledgeable business finance team members who will work with you and guide you through our application process.
  2. You can complete and submit your finance enquiry online via our website.

For both processes, since we mainly focus on assessing for business viability, we will ultimately need your business plan. Submitting a business plan provides us with detailed information on the business and the management team; the activities of the business and market in which it operates; past financial performance and projections and the financing requirement. Should you not have a business plan, we have a free model available on our website.

We negotiate pricing and repayment terms with you

We structure personalised business finance solutions. As such, we negotiate and agree on the pricing of the business loan and repayment period during the initial financing discussions. The usual repayment period is between three to five years. With property finance instalments are structured over ten years with a bullet payment in year five.

  • A comprehensive breakdown of what needs to be financed;
  • The entrepreneur’s own contribution;
  • Up-to-date financials and realistic projections that present a viable business as a going concern (if it is an existing business);
  • A viability assessment of the transaction, showing the business’ ability to meet all cash flow commitments (debt repayment, creditors and other cash expenses) and to generate a decent and acceptable return to the shareholders;
  • A demonstration that all aspects relating to a successful business have been considered (including human resources, marketing, finance, technical, production and corporate governance);
  • Evidence of regulatory compliance by the business (for example, the business’ tax affairs must be in order);
  • A demonstration of the ability and experience of managers and key staff to successfully implement and manage the business into the future;
  • Evidence that all intentions and forecasts in the business plan are based on reasonable assumptions, supported with relevant documentation as far as possible;
  • A single document, comprising all elements and key factors mentioned in the business plan guide provided.

A guide to writing a business plan can be found under our Entrepreneurs Growth Centre.

You may submit your business plan directly via our finance enquiry form, or contact your local country branch.

Want to know more about our financing? Click here for our general FAQ.

Want to know more about our financing criteria? Click here for our investment FAQ.​