Fast, Flexible Funding for Your Pharmacy
From stocking lifesaving medicines to upgrading your dispensary systems, Merchant Capital Pharmacy Finance helps you keep pace with demand.
From stocking lifesaving medicines to upgrading your dispensary systems, Merchant Capital Pharmacy Finance helps you keep pace with demand.
Running a pharmacy means managing supplier deadlines, keeping shelves full, and balancing cash flow against medical aid payment cycles.
Pharmacy Finance gives you the breathing room to do just that; quick access to working capital, no collateral required, with repayments that move in step with your store’s turnover.
Complete our simple online application and upload your proof of residence, supplier statements, and 6 months’ bank statements. It's that easy!
To qualify, your pharmacy must be registered in SA, have traded for at least 12 months, and generate turnover of R50,000+ per month. You must be a South African citizen or have a guarantor. Please be aware that we do not fund start-ups.
Our team prepares a funding offer shaped around your stock cycles and cash flow. You can choose between fixed debit orders or a turnover-based repayment, depending on what best suits your cash flow.
Once approved, funds are in your account within 24 hours, ready to use for stock, systems, or expansion.
For over 12 years, Merchant Capital has channeled more than R50 billion into close to 60,000 South African businesses. We combine the resources of a major lender with the personal attention of a trusted partner.
Apply in minutes and receive an obligation-free offer within 24 hours. Most pharmacies see funds deposited within 1–2 business days, giving you certainty when supplier deadlines are tight.
Repayments can be set to flex with your store’s turnover, protecting you during slower months and accelerating repayment during busier ones.
Our funding experts understand the unique pressures of pharmacy retail, from supplier delays to compliance challenges, and guide you at every step.
We partner with respected names in the South African financial sector, giving you the confidence to grow with trusted support.
To qualify for Pharmacy Finance, your practice must meet
these requirements:
A minimum monthly turnover of R50,000 ensures that your business is established enough for sustainable funding.
You must be a South African citizen, or have a guarantor who is a citizen, so that the funding remains compliant.
At least 12 months of continuous operation. This helps us understand your cash-flow patterns, including seasonal spikes and quiet periods.
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 pharmacies are approved and funded within 24–48 hours of submitting the required information.
Repayments are made via either daily or weekly instalments, linked to your turnover. This gives you stability without squeezing your cash flow.
Absolutely. Pharmacies often use it to manage supplier delays, secure bulk discounts, or stock seasonal products.
Approval usually takes 24–48 hours, so you can access medical working capital without delay.
No. It’s a cash advance, which means no collateral and no drawn-out bank processes. Approval is quick and repayment is designed around your business.
32 Impala Road
Chislehurston
Sandton
2196
