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Merchant Capital

Updated
  • Decision in 24 to 48 hours
  • Tailored repayment structure
  • Re-advance and top-ups available
Merchant Capital homepage
Author Merchant Capital. Screenshot of Merchant Capital website.
[Accessed July 25, 2023]

About Merchant Capital

Merchant Capital is a leading provider of innovative financial solutions for businesses in need of working capital. With a focus on merchant cash advances, we offer a flexible and accessible alternative to traditional loans. Their goal is to empower businesses to pursue their growth ambitions while maintaining financial health.

Merchant Capital understands the challenges that businesses face when it comes to accessing capital. That's why they specialise in merchant cash advances, which provide a lump sum of cash in exchange for a percentage of future credit and debit card sales. This type of financing is particularly beneficial for businesses that have a steady stream of revenue from card sales and those that regularly accept electronic fund transfers.

Flexibility and customisation: Financing tailored to your business

What sets Merchant Capital apart is its commitment to providing a seamless and customer-centric experience. They’ve simplified the application process, minimising the paperwork required, so businesses can access the funds they need quickly and efficiently.

Their flexible terms and customised repayment structures ensure that the loan aligns with the unique needs and cash flow of each business. They prioritise transparency and fairness, as they do not charge penalties for minor delays in payments.

Merchant Capital recognises that alternative business funding options can be perceived as more expensive than traditional loans. However, they strive to provide competitive rates and terms that are reasonable and tailored to the specific needs of each business. Their focus is on helping businesses achieve their growth objectives while maintaining financial stability.

Join a supportive network of professionals

By choosing Merchant Capital as your alternative business funding partner, you gain more than just access to capital. You join a supportive network of professionals who are dedicated to your success. Their team of experts is always available to provide guidance and assistance throughout the loan process and beyond.

Whether you’re looking to expand your operations, invest in new equipment, or launch a marketing campaign, Merchant Capital is ready to provide the working capital you need. Their comprehensive range of cash advances and innovative business lending solutions ensures that you can find the right financing option for your specific goals and needs.

Partner with Merchant Capital and unlock the potential of your business. Let them be your trusted financial partner as you embark on the journey of growth and success.

Merchant Capital Services

Merchant Capital offers merchant cash advances, an alternative business loan option that grants businesses a lump sum of cash in exchange for a percentage of future credit and debit card sales.

This financing solution is ideal for businesses with consistent revenue from card sales, including those that regularly accept electronic fund transfers.

Transparent and penalty-free merchant cash advances

While some may argue that alternative business funding can be costlier than traditional loans, Merchant Capital specialises in providing merchant cash advances that aim to provide the working capital or specialised funding necessary for business growth while maintaining financial stability.

The application process is streamlined, requiring less paperwork, and the repayment structure can be tailored to align with the business's turnover. Additionally, Merchant Capital does not impose penalties for minor delays in payments, ensuring a mutually beneficial arrangement.

Choose Merchant Capital as your alternative business funding partner and demonstrate the significant achievements you can accomplish with the added working capital.

Working capital loans are vital for businesses to meet short-term obligations and day-to-day expenses. When immediate capital is unavailable, a working capital loan becomes indispensable. Merchant Capital recognises the importance of working capital and offers a diverse range of cash advances that cater to specific business goals and needs.

Working capital loans offer several advantages

Firstly, they help manage cash flow effectively. Secondly, they provide funds for business growth and necessary changes. Lastly, qualifying for working capital loans is relatively straightforward, with lenders assessing overall financial health for approval.

If considering a working capital loan, it's crucial to have a clear plan for fund utilisation, such as expanding the business, hiring employees, or covering operational costs. Additionally, remember that these loans typically have short-term repayment periods, requiring prompt repayment within weeks or months.

Merchant Capital is dedicated to providing the appropriate capital for specific business goals and needs through its innovative business lending approach. They offer a comprehensive range of cash advances to provide the essential boost your business requires.

Merchant Capital – Business Loan

  • Loan Type Business Loans
  • Decision 48 hours

Benefits of Merchant Capital

  • Flexible funding tailored to your business.
  • Ideal for businesses with consistent card sales.
  • Streamlined application process with minimal paperwork.
  • Customised repayment structure based on turnover.
  • No penalties for minor payment delays.
  • Fast approval with funding assessment in 24 to 48 hours.
  • Transparent eligibility based on card turnover.
  • Choose split processing or daily debit order repayments.
  • Re-advance and top-up options available.
  • Accessible team of experts for guidance.
  • Boost working capital for cash flow and growth.

Business Loan calculator

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The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

How to Apply for a Business Cash Advance at Merchant Capital

Applying for a business cash advance at Merchant Capital is a straightforward process.

Two convenient methods for application

Online application: If you prefer flexibility and convenience, their online application is a great option. Simply visit their website and complete the application form. After submitting, you'll receive an email with further instructions and any additional documentation required. Within a few hours, one of their sales executives will contact you to initiate the application process.

Face-to-face application: For those who prefer a personal touch, they provide the option to apply in person. Give them a call during business hours to schedule a meeting with one of their knowledgeable sales executives. They’ll guide you through the application process and address any queries you may have.

Eligibility and qualification:

To determine your eligibility, they consider your business's average monthly credit and debit card turnover. Depending on this amount, you may qualify for up to 100% of the turnover. Merchant Capital’s team will carefully analyse your financial statements to provide an accurate qualification amount.

The application process: Access a business loan

Merchant Capital take pride in its fast turnaround times. Once you provide the required information and documentation, they aim to assess your funding amount within 24 to 48 hours. Please note that as part of the process, they may conduct personal credit checks and reach out to references. However, a perfect credit record is not a strict requirement for approval. Their team will keep you informed and discuss any findings before making a decision.

Repayment options

Merchant Capital offers flexible repayment options tailored to your business's needs. You can choose from two common methods:

Split processing: Repayments occur automatically through your debit and credit card terminal. A predetermined percentage of each customer transaction goes to Merchant Capital, while the remaining amount is deposited into your bank account. This ensures seamless repayment aligned with your sales activity.

Daily debit order: Alternatively, you can opt for a daily debit order, which provides the advantage of knowing the exact daily repayment amount. This eliminates the need for a lump-sum payment at the end of the month. Their credit team will assist you in selecting the repayment option that best suits your business operations.

Re-advance and top-up opportunities:

Once you’ve repaid 70% of your existing cash advance, you become eligible for a re-advance. This process is streamlined since Merchant Capital already have your details on file. Simply provide updated statements, and the additional funds will be made available to you.

Furthermore, if you haven't utilised the full amount you initially qualified for, you can top up your Merchant Capital cash advance at any point during your funding cycle. Their working capital solution offers flexibility and benefits, leading 80% of their customers to choose them for re-advances.

Merchant Capital Contact

Physical Address

  • 32 Impala Road Chistlehurston Johannesburg Gauteng 2196 South Africa
  • Get Directions

Postal Address

  • PO Box 368, Gauteng, 2052, South Africa

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed