DO I QUALIFY?

The Merchant Capital process follows a UNIQUE REPAYMENT SYSTEM, ideal for business owners who have a monthly average of over R80 000 in card sales and have been operating for over 12 months.

I AM A RETAIL OR ECOMMERCE BUSINESS OWNER

I HAVE BEEN IN OPERATION FOR MORE THAN 12 MONTHS

I HAVE A MONTHLY AVERAGE OF OVER R30 000 IN CREDIT AND DEBIT CARD SALES

I HAVE A MONTHLY AVERAGE OF OVER R80 000 IN CREDIT AND DEBIT CARD SALES

SMALL BUSINESS FUNDING

Merchant Capital offers retail and eCommerce businesses fast access to funding and flexible repayment methods.
Our Merchant Cash advance requires less paperwork, offers tailored payment plans and
is best for businesses that use card terminals or accept a large number of EFTs.

Merchant Capital are the winners of the 2020 FinTech Awards for Best Small Business Funding Solution in South Africa.

If you’re in need of retail business funding, Merchant Capital offers alternative business loans.
With funding granted in as little as 48 hours, your business can get access to the working capital it needs, when it needs it most.
Now you can purchase new equipment, renovate, buy in stock, or open a new store and more.
At Merchant Capital we are all about serving your ambitious growth

UPFRONT CASH ADVANCES

01 UPFRONT CASH ADVANCES
Based on your monthly card transactions.

UNIQUE REPAYMENT SYSTEM

02 UNIQUE REPAYMENT SYSTEM
We take an agreed % of all future card sales, big or small, until your advance is fully paid off.

FLEXIBLE PAYMENTS

03 FLEXIBLE PAYMENTS
When business is slow, you pay less. When it’s booming, you pay off your advance that much faster.

HOW IT WORKS

No
hidden costs

80% of our
clients renew

No need to
pledge assets

Flexible
payment terms

Funding in
48 hours

Quick and easy
online application

Personalised
service

Simple assessment
process

Partner with Merchant Capital and grow your business today. For small business funding within 48 hours, consider a Merchant Cash Advance. Our process is quick and easy and can be done online.

For retail business loans with repayment methods that can be tailored to your specific requirements, contact us today.

TESTIMONIALS

THEMBA MTHETWA
OWNER, THE GALLERY

“My store, The Gallery, is a fashion boutique for men – customers view us as fashion consultants and keeping the latest designers and trends on the shop floor is key. By taking out The Merchant Capital product, I was able to replenish our stock without losing any sleep over fixed payment commitments.The guys from Merchant Capital were great. And, with a small percentage going off my card sales every day, I’ve been able to focus my energies on giving my customers the superior personal customer service and styling they demand.”

LEARN MORE

01 // GET
STARTED

02 // RECEIVE
APPROVAL

03 // GET
FUNDED

APPLYING IS SIMPLE
GET PRE-APPROVED IN 24 HOURS

Get a no-obligation quote in 60 seconds. Complete a full application in 7 minutes.

WORKING CAPITAL TO REBOOT YOUR BUSINESS

DO I QUALIFY?

SMALL BUSINESS FUNDING

TESTIMONIALS

SUBSCRIBE TO OUR BLOG!

WORKING CAPITAL TO REBOOT YOUR BUSINESS

DO I QUALIFY?

SMALL BUSINESS FUNDING

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TESTIMONIALS

SUBSCRIBE TO OUR BLOG!