SMALL BUSINESS FUNDING

Merchant Capital offers retail 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.

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

hidden_costs
No
hidden costs
80% of our clients renew
80% of our
clients renew
No need to pledge assets
No need to
pledge assets
Flexible payment terms
Flexible
payment terms
Funding in 48 hours
Funding in
48 hours
Quick and easy online application
Quick and easy
online application
Personalised service
Personalised
service
Simple assessment process
Simple assessment
process

DO I QUALIFY?

The Merchant Capital process follows a UNIQUE REPAYMENT SYSTEM, ideal for business owners who have a monthly average of over R30 000 in card sales and have been operating for over 12 months.
I AM A RETAIL BUSINESS OWNER
I AM A RETAIL BUSINESS OWNER
I HAVE BEEN IN OPERATION FOR MORE THAN 12 MONTHS
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 R30 000 IN CREDIT AND DEBIT CARD SALES

 

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.

 

APPLY NOW FOR A MERCHANT CASH ADVANCE

 

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

APPLY NOW FOR A MERCHANT CASH ADVANCE

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