Asset-Free Merchant Cash Advance to Grow Your Retail Business
We offer fast, flexible growth funding to established retail looking to pursue their next phase of growth, with repayment options tailored to your cash flow.
We offer fast, flexible growth funding to established retail looking to pursue their next phase of growth, with repayment options tailored to your cash flow.
Our Asset-Free Merchant Cash Advance offers the growth capital your business needs - without requiring collateral.
Unlike traditional loans, repayment is aligned with your business’s cash flow, allowing you to invest in new inventory, upgrade your space, or expand locations without the heavy paperwork or collateral requirements.
Complete our simple online application and upload your proof of residence, supplier statements, and 6 months’ bank statements — it's that easy!
To qualify, you must be a South African citizen or have a guarantor, with a registered business that’s been trading for at least 12 months and has a monthly turnover of R50,000 or more.
We’ll review your application and create a financing solution that matches your business needs at repayment terms you can comfortably manage — it’s that simple!
You can choose to repay your Cash Advance as a percentage of your card swipes (so if you don’t trade, you don’t pay) or through daily or weekly debit orders. When we assess your business, we’ll recommend the repayment option best suited to your business type.
Once approved, the funds will be deposited directly into your account within 24 hours — it’s that fast!
For over 12 years, we’ve invested more than R10 billion into close to 50,000 established South African SMEs — offering the strength of a major lender with the personalised care of a trusted partner.
Apply in minutes and get an obligation-free offer within 24 hours. We deposit funds faster than traditional lenders, so you can focus on growth without delays.
Fixed repayments not tied to interest rates. Pay as you earn, based on card sales, or opt for a daily or weekly debit order — keeping your cash flow steady as you grow.
You’re not just a number. Our dedicated team of funding experts offer you the help you need, when you need it — ensuring clear, reliable guidance every step of the way.
We partner with respected names in the South African financial sector, giving you the confidence to grow with trusted support.
To qualify your business needs to meet a few simple requirements.
Here’s what we'll need:
If your business generates R50,000 or more in monthly turnover, you’re eligible to apply. We focus on established businesses ready to take the next step in their growth journey.
You must be a South African citizen or have a guarantor. This ensures we can provide you with the right funding to help your business thrive.
Your business must have been trading for at least 12 months. We partner with businesses that have a proven track record and are poised for growth.
Use our online calculator to estimate your advance amount and repayment terms, helping you make an informed decision.
These are indicative amounts only.
All offer amounts and costs are based on your monthly turnover and credit standing.
See how South African businesses like yours have unlocked growth and new opportunities with our tailored funding solutions.
Most retail businesses are approved and funded within 24–48 hours of submitting the required information.
Repayments are made via daily or weekly debit orders, linked to your card or POS turnover. This keeps repayments manageable even during quieter trading periods.
Absolutely. Many retailers use it to bulk-buy stock, fund a shop refurbishment, or invest in new display equipment.
No. It's a cash advance: no collateral and no drawn-out bank processes. Approval is quick and repayment is designed around your business.
Yes. Once 70% of your facility has been repaid, you qualify for a re-advance. If you didn't take the full amount initially, you can top up at any point.
32 Impala Road
Chislehurston
Sandton
2196
