Bundle · 5 items · ZIP
Plan it, fund it, run it: the essentials for a new business
Everything a new or early-stage owner needs to plan properly, stay compliant and keep control of cash from day one.
Prices in South African Rand
| Format | ZIP download containing PDF, DOCX and XLSX files |
|---|---|
| Includes | 5 resources |
| Delivery | Secure download link by email after payment |
| Author | Justin Vandayar |
| Publisher | Altiora Business Management |
| Licence | Purchaser’s own business use only. Templates may be edited for your business; files may not be resold or shared |
What's included
An editable Word template with guidance notes
by Justin Vandayar
An Excel workbook with working formulas
by Justin Vandayar
Keep more cash in your South African business, week by week
by Justin Vandayar
A plain-language guide for South African business owners
by Justin Vandayar
Think, decide and lead like the owner your business needs
by Justin Vandayar
FAQs
Straight after your payment is confirmed, you receive an email with a secure download link. You can also download from the confirmation page. Please check your spam or promotions folder if it does not arrive within a few minutes, or email hello@altiorawealth.co.za.
Prices are in South African Rand. Checkout is handled by PayFast, a South African payment provider, so you can pay securely by card and other methods they support. We never see or store your card details. If your business needs an invoice or prefers EFT, email us.
Because digital products are delivered instantly and cannot be returned, sales are final once a download link has been used. If you have not opened any link within 7 days, you can ask for a full refund. If a file is faulty, will not open, or is not what was described, tell us within 30 days and we will replace it or refund you. See our Refund policy. This does not affect your rights under South African consumer law.
Each purchase is licensed for the purchaser’s own business use only. You are welcome to print worksheets for your business, and to edit the templates for your own business. The files may not be resold, published, shared or distributed outside your business. All Altiora Library content is © 2026 Justin Vandayar. All rights reserved.
No. The Altiora Library provides general educational information only. It is not financial, legal, tax, accounting, labour, medical or investment advice. Altiora Business Management is a business consulting practice, not a lender or credit provider, and no particular outcome is guaranteed. Laws, rates and thresholds change, so please verify with SARS, CIPC or a qualified professional before acting. Examples in the products are illustrative, and the author and publisher accept no liability for loss arising from their use.
About the author
Founder & CEO, Altiora Business Management
Justin Vandayar is the Founder & CEO of Altiora Business Management. A serial entrepreneur, he has over 20 years’ experience across operations management, financial planning, bookkeeping, real estate and property management, and hospitality and restaurant franchising.
That breadth of hands-on experience shapes everything in the Altiora Library: practical tools, plain language and a focus on what owners can put to work in their own businesses straight away.
Through Altiora Business Management, Justin works with owners across South Africa, in Ballito, Durban, Cape Town, Fourways and online, on business consulting, business and personal coaching, CRM solutions and funding readiness.
Every title in the Altiora Library is written by Justin Vandayar and published by Altiora Business Management.
© 2026 Justin Vandayar. All rights reserved. All Altiora Library ebooks, templates, toolkits and checklists are the intellectual property of Justin Vandayar, published by Altiora Business Management. No part of any Altiora Library product may be reproduced, distributed, resold or transmitted in any form or by any means, including photocopying, recording or other electronic or mechanical methods, without the prior written permission of the author, except for brief quotations in reviews. Each purchase is licensed for the purchaser’s own business use only; templates may be edited for your own business but not resold or shared. All trademarks, product names, company names and logos mentioned are the property of their respective owners. Their mention does not imply any affiliation with or endorsement by them.
Disclaimer. General educational information only; not financial, legal, tax, accounting, labour, medical or investment advice. Altiora Business Management is a business consulting practice, not a lender or credit provider. No outcome is guaranteed. Laws, rates and thresholds change: verify with SARS, CIPC or a qualified professional. The author and publisher accept no liability for loss arising from use. Examples are illustrative.
Disclaimer: Altiora Business Management is a business consulting practice. We are not a lender or credit provider and do not provide credit, insurance, investments or regulated financial, legal or tax advice. Where specialist or licensed advice is needed, we will recommend you speak to an appropriately qualified professional. Every business is different and no particular outcome is guaranteed.
Altiora Business Management processes personal information, such as the details you share through our forms and basic technical information needed to deliver this website, in line with the Protection of Personal Information Act 4 of 2013 (POPIA). Please read our Privacy notice and Disclaimer.
Checkout
Payment is processed securely by PayFast. Your download link is emailed to you as soon as payment is confirmed.
Prefer to pay by EFT or need an invoice for your business? Email us and we will send one.
