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.

Once your application is approved and documentation is complete, you could access funding within 48 hours.

No. The Merchant Cash Advance is unsecured, which means you don’t need to pledge any business or personal assets.

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.

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.

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.

Yes. We offer a Shari’ah-certified funding solution, certified by Standard Bank, and structured in line with Islamic financing principles.

Yes. Our medical funding solution is specifically designed for healthcare professionals, including doctors, dentists, optometrists, and specialists.

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

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.

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.

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.

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.

Since 2012, Merchant Capital has helped thousands of South African SMEs access over R17 billion in funding. We are trusted by industry-leading partners, giving you confidence that your business funding is secure and reliable.