Business Partners SME Loan

4.3 (112 reviews)

Business Partners SME loan South Africa: R500,000 to R50,000,000, APR from 15%, tailored repayment schedules. Mentorship support included. NCR-registered. Review on CreditDeals.

Visit bank

Business Partners SME Loan — Finance Conditions

Business Partners finance is structured as a term loan, quasi-equity or property finance facility. All agreements comply with the National Credit Act (NCA) and are regulated by the NCR.

Main Conditions

Parameter	Value
Finance amount	R500,000 – R50,000,000
Loan term	12 months – 10 years (deal-dependent)
Interest rate	Risk-based, prime-linked; indicative prime + 2%–6%
Repayment structure	Monthly instalments; customised to business cash flow
Security	Business assets, commercial property, personal surety of owner(s)
Equity / profit participation	May apply for higher-risk deals (quasi-equity component)
Currency	South African Rand (ZAR / R)
Early settlement	Allowed; settlement fee may apply (deal-specific)

Borrower Requirements

•South African registered business (Pty Ltd, CC, sole proprietor, partnership or trust)
•Minimum 2 years of trading history (typically)
•Viable business with demonstrable cash flow
•Registered credit provider obligations: NCR, NCA affordability assessment
•Owner(s) must be South African citizens or permanent residents
•Clean credit bureau record preferred (TransUnion SA / Experian SA)
•Security: business assets and/or personal surety

Required Documents

📄Formal business plan with financial projections
📄Last 2–3 years' audited or management financial statements
📄Last 6 months' business bank statements
📄South African ID and personal financial statement of owner(s)
📄Business registration documents (CIPC — Companies and Intellectual Property Commission)
📄Income tax clearance certificate (SARS)
📄Proof of business address