Stock advance

Holding the ideal stock levels in your business is key to meeting customer demand and increasing basket size. Our stock advance gives you the right funding value, with the right term and flexibility to hold the right amount of stock in your business.

What is the
stock advance?

A stock advance is a simple way to finance your inventory purchases that works in line with your stock purchasing cycles. It gives you the option of selecting a payment holiday, to allow your stock to arrive from the supplier, and then pay off the advance over the upcoming weeks.

This product allows you to:

Take advantage of bulk purchase discounts
Deal with sudden demand or market changes
Consistently hold ideal stock levels
Plan stock purchasing cycles without the limitations of accessing capital
Prevent the accumulation of dead stock

Complete
application

Either online or in person

Receive
approval

Get pre-approved within 24 hours

Get
funded

As quick and simple as that

How can you use a stock advance in your business?

The Merchant Capital stock advance is the first product of its kind in South Africa. Its very short term and built in payment holiday means you can use it to buy stock, purchase small equipment or provide cash flow relief.

Because of its structure, some clients use the stock advance in place of purchase order finance, invoice factoring or bridging finance. Speak to your Merchant Capital consultant to find out if this is the right solution for your business needs.

I am a South African citizen or have
a guarantor

I have R50 000 in card sales
or EFT transactions
per month

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

Testimonials

Ronel Crouse

-

Franchisee, Sorbet

“There was a chance for me to purchase a third Sorbet store, but I needed the money urgently and didn’t have it. I called Merchant Capital immediately. I really liked the way they explained everything – they understood my plans and vision, and what I needed. In practice, the application process was quick and easy. There was no hard work for me. No red tape or supplying future projections. They could even draw my merchant statements.
Testimonials

Ronel Crouse

-

Franchisee, Sorbet

“There was a chance for me to purchase a third Sorbet store, but I needed the money urgently and didn’t have it. I called Merchant Capital immediately. I really liked the way they explained everything – they understood my plans and vision, and what I needed. In practice, the application process was quick and easy. There was no hard work for me. No red tape or supplying future projections. They could even draw my merchant statements.
Testimonials

Ronel Crouse

-

Franchisee, Sorbet

“There was a chance for me to purchase a third Sorbet store, but I needed the money urgently and didn’t have it. I called Merchant Capital immediately. I really liked the way they explained everything – they understood my plans and vision, and what I needed. In practice, the application process was quick and easy. There was no hard work for me. No red tape or supplying future projections. They could even draw my merchant statements.
Testimonials

Ronel Crouse

-

Franchisee, Sorbet

“There was a chance for me to purchase a third Sorbet store, but I needed the money urgently and didn’t have it. I called Merchant Capital immediately. I really liked the way they explained everything – they understood my plans and vision, and what I needed. In practice, the application process was quick and easy. There was no hard work for me. No red tape or supplying future projections. They could even draw my merchant statements.
Testimonials

Ronel Crouse

-

Franchisee, Sorbet

“There was a chance for me to purchase a third Sorbet store, but I needed the money urgently and didn’t have it. I called Merchant Capital immediately. I really liked the way they explained everything – they understood my plans and vision, and what I needed. In practice, the application process was quick and easy. There was no hard work for me. No red tape or supplying future projections. They could even draw my merchant statements.

Stock advance