Our focus

• We have a dedicated Business area that focuses on the SME market
• We(SBS) focus on small sized businesses with an annual turnover up to R7,5 million, & who employ approx 25 people. Businesses outside of this area are looked after by our Business Banking Division
• Our market segmentation approach allows for a greater focus on a market that has diverse and specific needs
• Specific target markets include:
• Small sized franchises
• Small professional entities (e.g. Doctors, Accountants, Dentists, lawyers etc)
• Emerging small business (Start-ups, contract finance)
• Traditional small business (General service. retailing & manufacturing concerns)
• Clear focus on Black owned and managed businesses

Market Challenges

• Access to markets
• Opportunities
• Capital
• Business and Financial Acumen
• Business formalisation
• Access to Support Services/growth partners
• Lack of Collateral

Our Response

• We deliver through dedicated relationships (Bankers / Managers) throughout our branch network
• A “specialist unit” to focus on franchise and “start-up” sectors of the market
• Clear focus on Black owned businesses
• Products solutions, services & competitive pricing are tailored to the specific needs of small businesses
• Service efficiency and excellence

What makes us different and what dictates our business model?

• Value-added services (“Beyond Banking”)
• Free business management seminars
• Financial assistance through Khula
• Non-financial assistance (coaching and mentoring programmes) through Business Partners & Sizanani Advisory Services

Our Products and Services

• We deliver through dedicated relationships (Bankers / Managers) throughout our branch network

What is finance required for?	Duration of finance Requirements	Facilities available
Working capital Debtors Stock	Short term	Overdraft facility Debtor Finance Guarantees Short Term Loans
Fixtures and Fittings Plant and equipment Vehicles Renovation of premises	Medium term	Asset Based Finance Instalment Sale Lease Rental Medium Term Loan
Property Finance	Long Term	Residential Home Loan Commercial Property Finance

Concluding remarks

• We specialise in franchising and start-ups
• Focus on Black owned businesses and have recognised the unique challenges perculiar in this market
• Differentiated credit lending model to deal with these challenges
• We offer “value-added” business advice through free Business Management seminars
• Strategic partners that provide non-financial assistance - coaching, mentoring & risk improvement programmes
• Our value proposition is underpinned by service efficiency & excellence
• Improved availability of SBS practitioners across our branches