Spartan SME Finance Working Capital and Bridging Finance
Spartan SME Finance Working Capital and Bridging Finance is a loan from Spartan SME Finance offering between R 1 000 000 and R 75 000 000 for businesses at any stage across South Africa. Applications are accepted on a rolling basis.
Overview
Spartan funds established mid-sized businesses (3+ years trading, roughly R10 million to R500 million annual turnover, with exceptions down to R5 million for high-growth cases) needing R1 million or more for cash-flow gaps, contracts or assets. Apply online - the qualification form takes about 12 minutes and application-to-payout runs around 10 days. Not for startups or very small businesses.
Programme details last verified on 12 June 2026.
Full Description
Spartan (established 1981, authorised FSP and registered credit provider) provides structured finance of R1 million to R75 million to established SMEs - working capital, bridging finance, revolving facilities, specialised asset finance and growth finance, over terms of 1 to 60 months.
Eligibility Criteria
Frequently Asked Questions
How much funding does Spartan SME Finance Working Capital and Bridging Finance offer?
Spartan SME Finance Working Capital and Bridging Finance offers between R 1 000 000 and R 75 000 000 per applicant.
Who qualifies for Spartan SME Finance Working Capital and Bridging Finance?
Spartan SME Finance Working Capital and Bridging Finance targets businesses at any stage across South Africa. Applicants need a minimum annual turnover of R 10 000 000, annual turnover below R 500 000 000, at least 3 years of trading history.
When is the deadline for Spartan SME Finance Working Capital and Bridging Finance?
Applications are accepted on a rolling basis.
How do I apply for Spartan SME Finance Working Capital and Bridging Finance?
Check your eligibility with the free readiness check on Okhantu, prepare the required documents, then apply on the provider's website.
Prepare Your Application
Increase your chances of success with these preparation resources.
Provider Guide
Learn about Spartan SME Finance's application process
Document Checklist
Requirements and deadlines
Download Templates
Business plan, cash flow, projections
Legal Framework
Relevant legislation and compliance
Compliance Check
Verify your CIPC, SARS, B-BBEE status
Get Expert Help
Find a funding specialist