Fast, Flexible Funding for Your Medical Practice
From managing cash flow between medical aid payments to investing in new equipment, our funding is built for the realities of running a South African medical practice.
From managing cash flow between medical aid payments to investing in new equipment, our funding is built for the realities of running a South African medical practice.
Running a medical practice means managing patient care while navigating delayed medical aid reimbursements, equipment costs, and staffing pressures. Cash flow gaps are common, and they can slow your growth.
Medical Practice 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 turnover and billing cycles.
Complete a simple online application and upload your proof of residence, practice statements, and six months of bank records. It takes just a few minutes.
To qualify, your practice 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 practice, with repayment terms you can manage confidently.
Repayments can be structured as a percentage of medical aid claims or turnover, via daily or weekly debit orders. We'll recommend the option that best fits your billing cycles.
Once approved, funds are deposited into your account within 24 hours, ready when your practice needs them.
Since 2013, Merchant Capital has invested more than R17 billion into nearly 70,000 South African businesses, including clinics, consortiums, and specialist practices. We understand the medical sector and the funding pressures that come with it.
Apply in minutes and receive an obligation-free offer within 24 hours. When your practice needs capital, speed matters.
Choose repayments linked to your medical aid claims or turnover, via daily or weekly debit orders, keeping your cash flow predictable.
Our funding specialists understand the pressures of running a medical practice, from managing locum costs to navigating seasonal demand.
We have extensive experience working with trusted medical franchises, buying groups, and healthcare networks across South Africa, 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 Medical Practice Finance, your practice must meet these requirements:
Your practice should generate at least R50,000 per month. We support established healthcare businesses ready to grow.
You must be a South African citizen, or have a qualifying guarantor in place, to access this funding.
Your practice 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 medical practices 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 or medical aid claims. This keeps your cash flow stable and predictable.
Absolutely. Many practices use it to upgrade equipment, hire locums, or bridge the gap between medical aid reimbursements.
No. It's a cash advance: no collateral, no drawn-out bank processes. Approval is fast and repayment is designed around your practice.
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
