Do I qualify?
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
I own a business that has traded for at least 12 months
This is floating test
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.
Industry specific
advances
Based on monthly transactions
Unique repayment
system
With daily or weekly options
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.
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.
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.
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.
“Merchant Capital are the winners of the 2020 & 2021 FinTech Awards for Best Small Business Funding Solution in South Africa.”
Frequently asked
questions
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.
Do you offer start-up
capital?
We offer business funding to businesses that have been in operation for at least 12 months.
Are you a
bank?
No. Our funding is unsecured and repaid based on daily or monthly credit card transactions.
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