Fast, Flexible Funding for Your Retail Business
Whether you run a clothing boutique, electronics store, hardware outlet, pet shop, or home furnishings retailer, our funding is built for the realities of South African retail.
Whether you run a clothing boutique, electronics store, hardware outlet, pet shop, or home furnishings retailer, our funding is built for the realities of South African retail.
Funding designed for the full spectrum of South African retail
Running a retail business means managing stock levels, supplier relationships, and seasonal demand, whether you sell clothing, electronics, pet supplies, hardware or home furnishings. Cash flow gaps can cost you a bulk order discount or leave your shelves empty at the worst possible time.
General retail finance gives you fast access to working capital without the red tape of a traditional bank loan. It's unsecured, meaning no collateral is required, and repayments are structured around your trading turnover.
Complete a simple online application and upload your proof of residence, business statements, and six months of bank records. It takes just a few minutes.
To qualify, your retail business must be registered in South Africa, trading for at least 12 months, generating R50,000+ per month. You must be a South African citizen or have a qualifying guarantor. We do not fund start-ups.
We assess your details and design a funding solution tailored to your business, with repayment terms you can manage confidently.
Repayments can be structured as a percentage of your turnover, via daily or weekly debit orders. We'll recommend the option that best fits your trading pattern.
Once approved, funds are deposited into your account within 24 hours, ready when your business needs them.
Since 2013, Merchant Capital has invested more than R17 billion into nearly 70,000 South African businesses, including clothing stores, electronics retailers, hardware outlets, pet shops, and home furnishing businesses. We understand the trading pressures of retail.
Apply in minutes and receive an obligation-free offer within 24 hours. When your business needs capital, speed matters.
Choose repayments linked to your turnover, via daily or weekly debit orders, keeping your cash flow predictable even through quieter trading periods.
Our funding specialists understand the pressures of retail, from managing seasonal stock demands to funding a shop refurbishment or new outlet.
We have extensive experience working with trusted retail franchises and buying groups across South Africa, from clothing and electronics to hardware and pet care, giving you the confidence to grow with a lender who knows your industry.
We partner with respected names in the South African financial sector, giving you the confidence to grow with trusted support.
To qualify for General Retail Finance, your business must meet these requirements:
Your retail business should generate at least R50,000 per month. We support established retailers ready to grow.
You must be a South African citizen, or have a qualifying guarantor in place, to access this funding.
Your business must have been trading for at least 12 months. We do not fund start-ups.
Use our online calculator to estimate your advance amount and repayment terms, helping you make an informed decision.
These are indicative amounts only.
All offer amounts and costs are based on your monthly turnover and credit standing.
See how South African businesses like yours have unlocked growth and new opportunities with our tailored funding solutions.
Most retail businesses are approved and funded within 24–48 hours of submitting the required information.
Repayments are made via daily or weekly debit orders, linked to your turnover. This keeps repayments manageable even during quieter trading periods.
Absolutely. Many retailers use it to bulk-buy stock, fund a shop refurbishment, or invest in new display equipment.
No. It's a cash advance: no collateral and no drawn-out bank processes. Approval is quick and repayment is designed around your business.
Yes. Once 40% of your facility has been repaid, you qualify for a re-advance. If you didn't take the full amount initially, you can top up at any point.
32 Impala Road
Chislehurston
Sandton
2196
