Advancing the ambition of small businesses

We are the catalyst that fuels your ambition and generates that growth

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Do I qualify?

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Do I qualify?

I am a South African citizen or have a guarantor

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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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.

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Industry specific
advances

Based on monthly transactions

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Unique repayment
system

With daily or weekly options

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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.

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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.

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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.

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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.

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“Merchant Capital are the winners of the 2020 & 2021 FinTech Awards for Best Small Business Funding Solution in South Africa.”

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Frequently asked
questions

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What is the max amount I qualify for?

You can qualify for up to 100% of your business's average monthly credit and debit card turnover.

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Do you offer start-up
capital?

We offer business funding to businesses that have been in operation for at least 12 months.

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Are you a
bank?

No. Our funding is unsecured and repaid based on daily or monthly credit card transactions.