Merchant cash advance

Your time as an entrepreneur is a priceless resource and that’s why our process is simple. Our SME Cash Advance provides you with short-term lending for long-term value.

What is the
merchant cash advance?

A merchant cash advance is a type of business funding that helps businesses gain access to the cash they need in a flexible way. An MCA can be used by retail, wholesale, distribution, service and manufacturing businesses that receive regular payments from multiple customers.

Quite often, these advances are used for business enhancing projects like bulk stock purchases, opening new locations or renovations. In contrast to other types of lending, there is minimal paperwork involved and quick turnaround times.

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 cash advance in your business?

A merchant cash advance (MCA) is an innovation in the lending industry that is designed to make it easier for businesses to get the right financing. An MCA, also known as "growth capital," can be used to help fund short-term needs that are vital to the success of your company like inventory, marketing, or advertising.

I am a South African citizen or have
a guarantor

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

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

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.

Merchant cash advance