Business Partners: Funding that backs you, not collateral

• Holistic funding up to R50m for growth, turnarounds, and scale.
• 100% commercial property finance; early-stage development funding.
• Practical, fast applications: data, plan, cash-flow, compliance.

Investing in the big picture

‍Banks often obsess over collateral. Business Partners Limited looks wider: founder track record, market fit, unit economics, execution capacity, and a credible path to profit.

If your numbers make sense and your leadership can deliver, they’ll lean in, even where traditional lenders won’t.

Tracking the commercial (what funders actually check)

‍Cut the fluff. Be ready to show:

• Revenue quality: recurring vs once-off, churn, debtor days, signed pipelines.
• Gross margin & unit economics: contribution per product/site/contract.
• Cash conversion: working-capital cycle, seasonality, 13-week cash-flow.
• Operator proof: CVs, references, prior exits/turnarounds, governance.
• Downside plan: contingency levers, cost resets, breakeven timeline.

Identifying the opportunity (make it obvious)

‍Spell out the why now:

• Demand signal: customers, LOIs, pre-contracts, waiting lists.
• Moat: location, permits, IP, supply access, exclusive partnerships.
• Use of funds: line-itemed capex/opex with milestone-based drawdowns.
• Return profile: payback, IRR, DSCR, sensitivity to rates and delays.

How to empower entrepreneurs (and get funded faster)

1. Package the deal: 24 months management accounts + latest AFS, 6 - 12 months bank statements, SARS compliance, aged debtors/creditors, asset register.
2. Projections that hold: 3-year P&L, balance sheet, cash-flow; show assumptions and a downside case.
3. Evidence pipeline: signed offers, leases, vendor quotes, supplier terms, resumes of key hires.
4. Security mix, not only property: cession of contracts, suretyships, movable-asset registers, be transparent on what you can offer.
5. Show governance: board/advisors, monthly reporting cadence, independent bookkeeping, audited/ reviewed statements.
6. Be specific on property:

• Owner-occupier: leverage 100% commercial property finance to buy your premises without draining working capital.
• Developers: unlock early-stage funding (land, civils, infrastructure) without presales to move projects forward.

7. Timeline discipline: propose a data room, meeting dates, site visit, credit pack submission, and decision checkpoint.

Call to action

‍If you’re scaling, turning around, or buying premises and the numbers stack, start a conversation.

Apply online: businesspartners.co.za
Funding up to R50 million. 100% commercial property finance. Early-stage development finance available.

For more information and to apply online, visit www.businesspartners.co.za.

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