Grow your clinic, consortium, or specialist practice with Merchant Capital’s medical working capital solutions. Designed for South African healthcare professionals, our funding helps you invest in equipment, staff, or patient care, even when medical aid payments are delayed.
Running a medical practice means balancing patient needs, staffing, and equipment upgrades, while waiting for reimbursements from medical aids or patient payments. These delays can put strain on your cash flow finance and slow down growth.
That’s where Medical Practice Finance comes in. Our solution is tailored for the healthcare sector, giving you fast access to medical working capital so you can focus on your patients, not your cash flow.
It’s asset-free, meaning no collateral is required.
Repayments flex with your turnover and billing cycles, unlike a traditional loan; your finance grows with your practice, not against it.
Submit a short application and upload proof of residence, practice statements, and six months of bank records. It only takes a few minutes.
To qualify, your practice, whether a clinic, consortium, or specialist practice, must be registered in South Africa, trading for at least 12 months, with turnover of R50,000+ per month. You must be a South African citizen or have a guarantor who is. Please be aware that we do not fund start-ups.
We’ll assess your details and design a funding solution tailored to your needs, with repayment terms you can manage confidently.
You can repay as a percentage of medical aid claims or turnover, through 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 it.
For over 12 years, Merchant Capital has invested more than R10 billion into nearly 50,000 South African businesses, including clinics, consortiums, and healthcare practices. We combine the scale of a leading lender with the personal support of a funding partner who understands the medical sector.
Apply in minutes and receive funding in as little as 24–48 hours. When patient care cannot wait, neither should your finance.
Choose repayments linked to turnover or medical aid claims, with daily or weekly debit orders. This keeps your cash flow finance predictable and in sync with your billing cycles.
Our funding experts understand the pressures of running a medical practice, from hiring locums to managing seasonal slowdowns.
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 or clinic should generate at least R50,000 per month. We support established healthcare organisations ready to grow.
You must be a South African citizen, or have a guarantor in place, to access medical working capital tailored to the local healthcare sector.
Your practice must have been operating for at least 12 months.
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.
There are two simple ways to apply: Online: Complete your application anytime. You’ll receive an email confirming next steps and documents needed, then a call from one of our consultants. With a Consultant: Call 011 217 2880 during office hours to apply directly with a funding specialist.
Most medical practices qualify for up to 100% of their average monthly turnover, based on card payments or medical aid reimbursements. Once we’ve reviewed your statements, we’ll confirm the amount available.
There is no one-size-fits-all pricing. Each practice gets a tailored cost structure suited to its circumstances.
Approval usually takes 24–48 hours, so you can access medical working capital without delay.
Yes, because this is unsecured finance, we run reference and credit checks. You don’t need a perfect record, and we’ll discuss findings with you before making decisions.
You choose. Many practices use it for equipment upgrades, expanding facilities, hiring locums, or managing seasonal cash flow dips. We recommend applying it to opportunities that improve patient care and long-term success.
You have two repayment options: Split Processing: A percentage of every card or medical aid payment goes directly to Merchant Capital, so repayments match your trading cycle. Daily Debit Order: A fixed daily amount gives you predictability and control.
Yes. Once 70% of your facility has been repaid, you qualify for a re-advance. If you didn't take the full amount originally approved, you can also top up during your funding cycle.
32 Impala Road
Chislehurston
Sandton
2196
