I Want Funds
to Boost My Business

Join over 45 000 businesses across SA who have accessed our capital to power their ambitions

 

Apply Online: Fill out our application, send us proof of residence, your supplier statements and 12 months bank statements - its that simple!

I Want Funds
To Boost My Business

Join over 40 000 businesses across SA who have accessed our capital to power their ambitions.

Apply Online: Fill out our application, send us proof of residence, your supplier statements and 6 months bank statements - its that simple!

Apply now
Calculate repayments

Is Merchant Capital
The Right Choice For
My Business Funding?

Merchant Capital - Custom Bullet

Apply today, get access to funds in 48hrs

Merchant Capital - Custom Bullet

No collateral required

Merchant Capital - Custom Bullet

Flexible & affordable repayments

Merchant Capital - Custom Bullet

Quick & easy online application for funding

Merchant Capital - Custom Bullet

Use funds as you see fit

Merchant Capital - Custom Bullet

Great people, great service

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I Want Flexible Finance That
Grows with My Business

 

Reach your business goals, then make new ones

 
You have ambitious goals for your business. You need flexible finance to get it done. At Merchant Capital, we provide small and medium businesses in South Africa with working capital at repayment rates you can afford. Whether you want to expand your business, purchase stock, upgrade your premises, manage cash flow, or anything you like, our flexible financing solutions are designed to help your business thrive.
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Small to Medium Business Finance

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Medical Practice
Finance

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Legal Practice
Finance

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Shari'ah Compliant
Finance

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How Much Business Funding Do I Need?

 

Use our business funding calculator to work out what your potential repayments could be

How much are you
looking for?

How long do you want
to pay it off?

1

month

3

months

6

months

9

months

12

months

Daily Repayment

R

Monthly Repayment

R

Total Repayment

R

This is an indicative amount only. All offer amounts and costs are based on your monthly turnover and credit standing

Start your application
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How Do I Qualify?
 
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I have R50 000 or more per month in turnover

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I am a South African citizen or have a guarantor

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I own a business that has traded for at least 12 months

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Calculate repayments
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Show Me

How It Works

1.

Apply Online: Fill out our application, send us proof of residence, your supplier statements and 6 months’ bank statements - it's that simple! 

2.

Get Feedback: We'll review your application and give you a custom financing solution - it's that easy!

3.

Direct Funds: Once approved, you'll receive funds directly in your account within 24 hours - it's that fast!

Calculate repayments
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Real Businesses With Real Success Stories

 

Your vision, your business, your funds

"Starting a business requires more than just funds"

Meet Charlotte Ramarumo, owner of Spar Strubensvalley, and learn how she teamed up with Merchant Capital to navigate challenges during the height of the COVID-19 pandemic

"They have a concept that really worked for me"

Discover how one phone call aided Theo Holiasmenos, co-owner of Mondena, in regaining momentum after a challenging period of no trading

"A specialised approach to funding"

For 9 years, Merchant Capital has supported Janine Baum, owner of Lingerie and Leisure, by providing timely access to funding when she needed it most

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Why Choose
Merchant Capital

 

Big enough to back your business dreams, small enough to care 

 

Since our inception in 2012, we’ve invested R10 billion into South African businesses' ambitions to fund their dreams.

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Simple Application Process:
Apply in minutes, not days.

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Fixed Costs:
Set cost not linked to interest rate fluctuations.

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Custom Financing Solutions:
Tailored to fit your business needs.

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Quick Approval
Get an obligation-free offer within 24 hours. Access funds faster than traditional lending institutions.

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Transparent Communication:
You know what your business needs to succeed. We want to help you get there.

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Premium Service:
A dedicated team of funding experts ready to take care of your working capital needs.

Learn and Grow With Merchant Capital

 

Discover the fresh perspective for you and your business. With our blogs you can stay informed, get industry insights, and check out some great business tips. Explore the latest articles now:

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Meet Our Partners

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