Merchant Capital

Merchant Capital started in 2012 and has since built a business with the primary goal of supporting small to medium enterprises in South Africa.

Merchant Capital has grown and partnered with some of the largest companies in South Africa. This has created an alternative lending company which has helped thousands of small businesses to succeed and grow.

Merchant Capital’s partners

• South African Breweries
• Bidvest
• Discovery
• Payflex
• Altron

Merchant Capital leverages its partnerships to develop specifically designed funding options for South African entrepreneurs.

Merchant Capital’s team has one purpose; to advance small businesses To do this they need to offer finance solutions that truly provide value. Partnering with the large companies in SA gives them the backing they need to provide you with the support you need.

Merchant Capital - What they’re about

The company has been in business for a mere ten years but has been awarded the Fintech award for the best in the Small Business Funding category, twice. Thus you can rest assured that in 2020 and 2021, you’ll be in good hands with Merchant Capital.

When a business opportunity presents itself, there’s no time to waste. Standing in queues and spending hours on the phone is not efficient. Merchant Capital pride itself on its ability to provide custom packages for your business and have the funds credited in 48 hours. Of course, you would have to qualify for finance to receive the funds.

Every single business has slight differences. Even two coffee shops located in the same neighbourhood will not have the same approach. This is why Merchant Capital has flexible repayment options to suit your business needs.

There’s a lot of stress involved in opening a business, and a lot of work involved in making it succeed. Merchant Capital knows how hard it can be, they’re a business too.

Without small and medium-sized businesses South Africa would have a far weaker economy and a higher unemployment rate, which makes it important for everyone to support these businesses.

Merchant Capital not only provides alternative lending support to small businesses, its website and Facebook Page are full of helpful tips and information, specifically for small business entrepreneurs.

Merchant Capital has several financing options to help grow your business.

• Asset finance which includes options for equipment, vehicle, real estate, and invoice financing.
• Working capital, which is money for your day-to-day costs, like rental, stock and wages. Sometimes during a quieter month or a slower payment month, you need a bit of a boost.
• Invoice financing is when you take out a loan based on the outstanding invoices in your company.
• Medical practice finance - customised finance options for medical professionals who have their own businesses.

In this article equipment finance is the focus point. Equipment falls under assets so you’ll be applying for asset finance. It’s an attractive loan option for many businesses.

If you need a new coffee machine or drill, and it’s just not in your budget as a once-off purchase, Merchant Capital has an option available for you. The only way to grow your business is to have the right equipment.

Do you qualify for asset finance?

There are a set number of requirements that you need to meet to get finance from Merchant Capital. To get access to finance please make sure you meet these, before applying.

• You’ve been in business for a minimum of 12 months.
• You’re a South African citizen or have a South African guarantor
• You have a minimum of R50 000.00 in sales monthly, whether it’s a credit card or EFT.

Merchant Capital does not require you to put your existing assets up as collateral like traditional finance companies. They guarantee transparency during the application process and regarding the fee structure.