Flexible Funding for Your Medical Practice
Take your practice further with Medical Practice Finance from Merchant Capital
Take your practice further with Medical Practice Finance from Merchant Capital
Running a medical practice means staying on top of ever-evolving patient needs, equipment upgrades, and day-to-day operations. But when payments from medical aids and patients are delayed, it can hold your growth back. That’s where we come in.
At Merchant Capital, our Medical Practice Finance solution is designed to give you quick access to working capital, so you can invest in your practice without slowing down your business.
Our Asset-Free Medical Practice Finance offers you the growth capital your practice needs without collateral.
Unlike traditional loans, repayment adapts to your practice’s cash flow, allowing you to expand and invest in your future without the heavy paperwork or collateral requirements.
Complete our simple online application and upload your proof of residence, supplier statements, and 6 months’ bank statements — it's that easy!
To qualify, you must be a South African citizen or have a guarantor, with a registered business that’s been trading for at least 12 months and has a monthly turnover of R50,000 or more.
We’ll review your application and create a financing solution that matches your practice needs and repayment terms you can comfortably manage – it’s that simple!
You can choose to repay your Medical Practice Finance as a percentage of your medical aid claims or your turnover, through daily or weekly debit orders. When we assess your practice, we’ll recommend the repayment option best suited to your practice.
Once approved, the funds will be deposited directly into your account within 24 hours — it’s that fast!
For over 12 years, we’ve invested more than R10 billion into close to 50,000 established South African SMEs — offering the strength of a major lender with the personalised care of a trusted partner.
Apply in minutes and get an obligation-free offer within 24 hours. We deposit funds faster than traditional lenders, so you can focus on growth without delays.
Fixed repayments not tied to interest rates. Pay as you earn, based on card sales, or opt for a daily or weekly debit order — keeping your cash flow steady as you grow.
You’re not just a number. Our dedicated team
of funding experts offer you the help you need, when you need it — ensuring clear, reliable guidance every step of the way.
We partner with respected names in the South African financial sector, giving you the confidence to grow with trusted support.
To qualify your business needs to meet a few simple requirements.
Here’s what we'll need:
If your business generates R50,000 or more in monthly turnover, you’re eligible to apply. We focus on established businesses ready to take the next step in their growth journey.
You must be a South African citizen or have a guarantor. This ensures we can provide you with the right funding to help your business thrive.
Your business must have been trading for at least 12 months. We partner with businesses that have a proven track record and are poised for growth.
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. f you didn't take the full amount originally approved, you can also top up during your funding cycle.
32 Impala Road
Chislehurston
Sandton
2196
