The Altiora Library
Written by Altiora founder Justin Vandayar: the same plain-language tools we use with clients, now available to download tonight. Get your cash under control, get funding-ready, build systems your team will follow and lead with an owner's mindset.
Handbook · PDF · 40 pages
Prepare your business, your documents and your story before you apply
Lenders and funders say no most often because an application is incomplete or unclear. This handbook walks you through the complete documents checklist, your numbers, your business summary and how to approach banks, DFIs and alternative funders.
Includes the 14-item funding documents checklist, from two years' financials to your purpose of funding. Altiora is not a lender and no one can guarantee approval.
Browse the library
Handbooks for the big topics, sector playbooks for your industry, short books for the owner behind the business, and templates you can use today.
Keep more cash in your South African business, week by week
by Justin Vandayar
Prepare your business, your documents and your story before you apply
by Justin Vandayar
Standard operating procedures your team will actually follow
by Justin Vandayar
From first hire to a team you can trust
by Justin Vandayar
A plain-language guide for South African business owners
by Justin Vandayar
Food costing, menu engineering and rosters that protect your margin
by Justin Vandayar
Buy smarter, sell through faster and stop losing stock
by Justin Vandayar
Smoother days, cleaner billing and a better patient experience
by Justin Vandayar
Price, track and protect the margin on every job
by Justin Vandayar
Growing a business that outlives the hustle
by Justin Vandayar
Think, decide and lead like the owner your business needs
by Justin Vandayar
30 days to a stronger business
by Justin Vandayar
An editable Word template with guidance notes
by Justin Vandayar
An Excel workbook with working formulas
by Justin Vandayar
Editable Word templates for procedures, checklists and training
by Justin Vandayar
Checklist, cover letter and business summary templates
by Justin Vandayar
Plan it, fund it, run it: the essentials for a new business
by Justin Vandayar
Prepare a complete, credible funding application
by Justin Vandayar
Every handbook, playbook, book and template in one download
by Justin Vandayar
Bundles
Our most useful resources, combined for the moments that matter most.
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.
Prepare a complete, credible funding application
The handbook, templates and spreadsheet you need to organise your documents, tell your story and show funders your numbers.
Every handbook, playbook, book and template in one download
The whole Altiora Library: five handbooks, four sector playbooks, three motivational books and four editable templates and toolkits, at our biggest saving.
40 questions to check the vital signs of your business.
A quick, honest self-assessment across direction, cash, sales, people, systems, compliance and you, with a simple scoring guide and next steps. Takes about twenty minutes.
How it works
Pick a single title, a template or a bundle.
Checkout through PayFast. We never see your card details.
Your secure link arrives by email as soon as payment is confirmed.
Want a partner, not just a book?
Our monthly retainers combine regular strategy sessions, accountability and hands-on support, so the ideas in these pages become results in your business.
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.
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.
Handbooks, playbooks and motivational books are PDF ebooks that work on any phone, tablet or computer and print well on A5 or A4. Templates are editable Word (DOCX) documents and the cash flow toolkit is an Excel (XLSX) workbook that also works in Google Sheets and LibreOffice.
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.
Every title is written by Justin Vandayar, Founder & CEO of Altiora Business Management, and published by Altiora Business Management. Justin is a serial entrepreneur with over 20 years' experience across operations management, financial planning, bookkeeping, real estate and property management, and hospitality and restaurant franchising.
Yes. The Start-Up Pack and Funding-Ready Pack combine our most popular resources at a saving. For enterprise and supplier development (ESD) programmes, incubators or teams, email us about group licences.
Absolutely. Many owners start with a handbook and then work with us through business consulting, coaching or a monthly retainer. Book a call to talk about your goals.
© 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.
