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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 fol​lowing 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:


What we assess for

When you apply for finance, your application will be assessed on the viability of your sound business plan and on levels of contribution that you may be able to offer. When evaluating an application, we look principally for a business owner with integrity, drive, vision and appropriate experience, as well as for the potential profitability of the business and a marketable product or service.

We require a complete business plan to be in place before a business owner can apply for business or property finance from us.

We negotiate pricing and repayment terms w​​​​​ith 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 being structured over 10 years.


  • A comprehensive breakdown of what needs to be financed;
  • The business owner'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.


Click here for our guide to writing a business plan.

You may submit your business plan directly via an email to You are also welcome to drop your documents off at any of our branches country-wide.

Want to know more about our f​​inancing? Click here fo​r our general FAQ.

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