Shari’ah capital advance

We believed it was necessary to create a funding product that allows entrepreneurs to grow their businesses in a way that aligns with their faith.

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What is the Shari’ah Capital Advance?

As entrepreneurs ourselves, we understand and celebrate that each business has unique growth opportunities and funding requirements. That is why we offer this Shari’ah-compliant working capital solution. One of the first products of its kind in South Africa, this empowers  Shari’ah-compliant entrepreneurs to grow their businesses in ethical ways.

Certified by Standard Bank Shari'ah Banking, this product is structured on the principle of Wakala and gives you access to flexible funding within 48 hours, with minimal paperwork required.

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 Shari'ah-compliant advance in your business?

The Shari'ah Capital Advance is designed to fund growth-enhancing activities that are vital to the success of your company. You can use it in any way you see fit; like purchasing inventory, renovating your store,  or even for marketing and advertising campaigns.

How is the Shari'ah Capital Advance repaid?

Understanding that every business is distinct with specific needs, we provide two options for Shari’ah Capital Advance repayments: Depending on your business, you can either make repayments by “Split Processing” where an agreed-upon percentage of your future credit card transactions are used for repayments, or repayments can be made via a daily debit order.

Group 258

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Do you qualify?

ID Graphic 3

I am a South African citizen or have
a guarantor

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

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

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Click here to apply now

  • 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.

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