Do I qualify?
![Tailor Graphic Without Shadow-1](https://www.merchantcapital.co.za/hs-fs/hubfs/Tailor%20Graphic%20Without%20Shadow-1.png?width=568&height=703&name=Tailor%20Graphic%20Without%20Shadow-1.png)
Do I qualify?
I am a South African citizen or have a guarantor
![](https://www.merchantcapital.co.za/hs-fs/hubfs/do-you-qualify-divider-one.png?width=90&height=14&name=do-you-qualify-divider-one.png)
I have R50 000 in card sales or EFT transactions per month
![do-you-qualify-divider-two](https://www.merchantcapital.co.za/hs-fs/hubfs/do-you-qualify-divider-two.png?width=120&height=18&name=do-you-qualify-divider-two.png)
I own a business that has traded for at least 12 months
![do-you-qualify-divider-three](https://www.merchantcapital.co.za/hs-fs/hubfs/do-you-qualify-divider-three.png?width=146&height=18&name=do-you-qualify-divider-three.png)
![Circle Graphic Without Shadow v2](https://www.merchantcapital.co.za/hs-fs/hubfs/Circle%20Graphic%20Without%20Shadow%20v2.png?width=886&height=1211&name=Circle%20Graphic%20Without%20Shadow%20v2.png)
This is floating test
![yellow-semicircle](https://www.merchantcapital.co.za/hs-fs/hubfs/yellow-semicircle.png?width=311&height=619&name=yellow-semicircle.png)
![billboard-section-green-dots billboard-section-green-dots](https://www.merchantcapital.co.za/hs-fs/hubfs/billboard-section-green-dots.png?width=156&name=billboard-section-green-dots.png)
As entrepreneurs ourselves, we understand and celebrate that each business has unique growth opportunities and funding requirements. We pride ourselves in delivering distinction with bespoke funding options tailor-made for your business and industry.
We offer alternative small business funding to retail, wholesale, manufacturing, and services-based businesses within 48 hours. Now you can advance your ambition through our award-winning products and flexible repayment options.
![incentive-section-01](https://www.merchantcapital.co.za/hubfs/incentive-section-01.png)
Industry specific
advances
Based on monthly transactions
![incentive-section-02](https://www.merchantcapital.co.za/hubfs/incentive-section-02.png)
Unique repayment
system
With daily or weekly options
![incentive-section-03](https://www.merchantcapital.co.za/hubfs/incentive-section-03.png)
Flexible
terms
Customised for your business
Why choose Merchant
Capital?
Small business growth should never be delayed by a lack of working capital. Here’s why we’re the best funding solution for advancing ambition.
![why-section-lightbulb-icon](https://www.merchantcapital.co.za/hubfs/why-section-lightbulb-icon.png)
Smart lending
solutions
We take pride in our cash flow friendly advances that work for each business's distinct requirements. Our industry experts create personalised solutions that are fit for purpose.
![](https://www.merchantcapital.co.za/hubfs/why-section-underline-yellow.png)
![why-section-book-icon](https://www.merchantcapital.co.za/hubfs/why-section-book-icon.png)
True
transparency
You get full transparency from your first point of contact with us. We’re open and honest about timelines, the cost of small business financing, and everything in between.
![](https://www.merchantcapital.co.za/hubfs/why-section-underline-yellow.png)
![why-section-book-icon](https://www.merchantcapital.co.za/hubfs/why-section-book-icon.png)
Blah Blah
You get full transparency from your first point of contact with us. We’re open and honest about timelines, the cost of small business financing, and everything in between.
![](https://www.merchantcapital.co.za/hubfs/why-section-underline-yellow.png)
![billboard-section-ocean-semicirle](https://www.merchantcapital.co.za/hs-fs/hubfs/billboard-section-ocean-semicirle.png?width=195&height=500&name=billboard-section-ocean-semicirle.png)
“Merchant Capital are the winners of the 2020 & 2021 FinTech Awards for Best Small Business Funding Solution in South Africa.”
Frequently asked
questions
![faq-section-q](https://www.merchantcapital.co.za/hubfs/faq-section-q.png)
What is the max amount I qualify for?
![](https://www.merchantcapital.co.za/hubfs/faq-section-divider.png)
You can qualify for up to 100% of your business's average monthly credit and debit card turnover.
![](https://www.merchantcapital.co.za/hubfs/faq-section-divider-dot.png)
![faq-section-q](https://www.merchantcapital.co.za/hubfs/faq-section-q.png)
Do you offer start-up
capital?
![](https://www.merchantcapital.co.za/hubfs/faq-section-divider.png)
We offer business funding to businesses that have been in operation for at least 12 months.
![](https://www.merchantcapital.co.za/hubfs/faq-section-divider-dot.png)
![faq-section-q](https://www.merchantcapital.co.za/hubfs/faq-section-q.png)
Are you a
bank?
![](https://www.merchantcapital.co.za/hubfs/faq-section-divider.png)
No. Our funding is unsecured and repaid based on daily or monthly credit card transactions.
![](https://www.merchantcapital.co.za/hubfs/faq-section-divider-dot.png)
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application
Fast track your application
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