Grow Your Business with Flexible Funding
Discover a new way to boost your cash flow and unlock growth opportunities for your business with the Merchant Cash Advance.
As a business owner, we understand the challenges of growing your business. That’s why we’ve partnered with Merchant Capital, a leading alternative working capital provider, to give you fast access to flexible funding within 48 hours.
Boost your cash flow quickly and easily using flexible solutions built for South African SMEs like yours. Best of all, secure funding without disrupting your daily operations - fast, simple, and hassle-free.
With iProtect and Merchant Capital, you can take advantage of new opportunities, increase sales, and accelerate growth!
Why choose a Merchant Cash Advance
- Asset-Free Funding
No collateral is required. Access funding without putting your business or personal assets at risk.
- High-Speed Funding
Our streamlined application process ensures you could be funded within 48 hours once your application is complete.
- Shari’ah-Certified Option
- A Shari’ah-certified funding option is available across relevant industries, empowering ethical growth for compliant businesses.
- Fixed Cost of Funding
- From day one, you know exactly what your business will repay. There are no interest rate fluctuations or hidden costs, giving you financial clarity and control.
- Flexible Repayments
- Repay daily or weekly through our Repay-As-You-Trade model, which aligns with your business turnover and ensures repayments remain affordable and easy to manage.
To qualify for a Merchant Cash Advance
Your business must be operational for 12 months or more
Your business must generate at least R50,000 in monthly turnover
You must be a South African citizen or have a guarantor
Industries We Support
The Merchant Cash Advance is tailored to suit a wide range of industries, including but not limited to:
- ✓Retail
- ✓Hospitality and Restaurants
- ✓Wholesale and Distribution
- ✓Automotive
- ✓Hair, Beauty, and Wellness
- ✓Professional services
- ✓Pharmaceutical
- ✓Medical – Our medical funding solution is designed specifically for healthcare professionals. Learn more about Medical Practice Finance
- ✓Shari’ah-compliant businesses – Our Shari’ah-certified solution is certified by Standard Bank and structured in line with Islamic financing principles.
- Whether you’re running a retail business, managing a restaurant, or operating a service-based business, our funding solutions are built to support your growth.
Get funded in 3 simple steps:
Apply online
- Get approved
- Receive funds
Common Uses for Funding
- Because you understand your business requirements better than anyone else, you can use the funding in whatever way you see fit. Whether it’s for expansion, equipment, renovations, or more, the choice is entirely yours.
Merchant Success Stories
Don’t take our word for what a Merchant Cash Advance can do for your business. Here is what some of our Merchants have said:
“It’s so convenient, transparent, and getting answers is easy. Turnaround times are quick, and you know exactly what you will pay back from the start, which means you can work out your profits before taking on the funding. The flexibility is also something that I’m very happy about.”
“The main difference between Merchant Capital and traditional lenders is speed. They don’t ask for tons of credentials and piles of paperwork. The process is simple and quick. The guys do their homework and within three days, you have an answer – even if you’re asking for a large advance. Because of the collection system, payback is easy.
You pay in line with turnover. And you can always talk to the guys if there’s a seasonal quiet patch. No need to worry. Plus, the service from Merchant Capital is great. Someone is always available to talk. If anyone asks me, I say: use Merchant Capital. You don’t even feel it.”
To find out more about the Merchant Cash Advance, get in touch with us:
alfred.ruwanda@merchantcapital.co.za | 081 733 3703
What is a Merchant Cash Advance?
A Merchant Cash Advance is a type of financing that allows businesses to receive a lump sum of cash in exchange for a percentage of future sales. This innovative funding solution is ideal for businesses that need quick access to working capital without the lengthy approval process of traditional loans. Unlike a traditional loan, it has no fixed interest rate or repayment schedule, and repayments align with your daily or weekly turnover.
How quickly can I access funding?
Once your application is approved and documentation is complete, you could access funding within 48 hours.
Do I need to provide collateral?
No. The Merchant Cash Advance is unsecured, which means you don’t need to pledge any business or personal assets.
How much funding can I qualify for?
Your funding offer is based on your business’s monthly turnover and overall performance. You could qualify for up to 100% of your monthly turnover, with funding typically ranging between R50,000 and R5 million, depending on your business needs.
How are repayments made?
Repayments are automatically deducted as a fixed percentage of your daily or weekly turnover. This Repay-As-You-Trade model ensures payments remain affordable and aligned with your business income.
What industries can apply?
The Merchant Cash Advance is designed for a wide range of industries, including retail, restaurants, wholesale/distribution, automotive, beauty/wellness, professional services, medical, and Shari’ah-compliant businesses.
Do you offer a Shari’ah-certified option?
Yes. We offer a Shari’ah-certified funding solution, certified by Standard Bank, and structured in line with Islamic financing principles.
Can medical practices apply?
Yes. Our medical funding solution is specifically designed for healthcare professionals, including doctors, dentists, optometrists, and specialists.
What are the eligibility requirements?
To qualify, your business must:
- Have been trading for at least 12 months
- Generate a monthly turnover of at least R50,000
- Be a South African citizen or have a guarantor
Can I use the funds for any business purpose?
Yes. Once approved, you can use the funds for stock, equipment, expansion, renovations, marketing campaigns, staff training, cash flow support, or any other business need.
How is this different from a bank loan?
Unlike bank loans, there’s no collateral required, no fluctuating interest rates, and no rigid repayment terms. The Merchant Cash Advance is designed to be flexible, fast, and aligned with your turnover.
What support do I get after approval?
You’ll be assisted by a dedicated Merchant Capital consultant who will guide you through the process, answer any questions, and support you throughout your funding journey.
Is Merchant Capital a registered credit provider?
Yes. Merchant Capital is a registered credit provider with the National Credit Regulator. This ensures full compliance with South African lending regulations and responsible business practices. We are also a proud member of SASFA, the South African SME Finance Association
How do I know my business is in safe hands?
Since 2012, Merchant Capital has helped thousands of South African SMEs access over R10 billion in funding. We are trusted by industry-leading partners, giving you confidence that your business funding is secure and reliable.