Get Fast, Flexible Working Capital for Your Business
A Merchant Cash Advance is unsecured funding based on your future sales — no collateral, lighter on credit checks and dispatched within 24 hours of approval.
Funding businesses across South Africa
From retailers to medical practitioners, restaurants and everything in between — hover to pause, swipe to explore.
RetailRetailers
HealthcareMedical Practitioners
HospitalityRestaurants
ForecourtsFuel Stations
WorkshopsAutomotive Trade
LogisticsWholesale & Distribution
TradesConstruction & Contractors
SalonsBeauty & Wellness
CouriersTransport & Delivery
RecurringProfessional Services- RetailRetailers
- HealthcareMedical Practitioners
- HospitalityRestaurants
- ForecourtsFuel Stations
- WorkshopsAutomotive Trade
- LogisticsWholesale & Distribution
- TradesConstruction & Contractors
- SalonsBeauty & Wellness
- CouriersTransport & Delivery
- RecurringProfessional Services
What is a Merchant Cash Advance?
A Merchant Cash Advance isn't a traditional loan. Get a lump sum upfront for immediate expansion or orders and pay it back in smaller, structured, flexible debit-order repayments — daily or weekly — as a percentage of sales or a fixed amount. We're flexible.
We accept merchants who collect through card machines, EFTs, cash deposits or any other trackable electronic payments — repayments are collected by daily or weekly debit order so we don't need to connect to your card machine.
Why a Merchant Cash Advance?
If your business has consistent sales and is profitable, an MCA is one of the easiest, fastest and lightest forms of funding you can access. The catch: your business must be trading actively and able to meet repayment obligations from its sales activities.
Built for businesses with consistent sales — turnover matters more than perfect credit.
Soft check only at quote stage. No impact on your credit score.
Quick dispatch once approved — usually within one business day.
Daily or weekly debit orders. % of sales or a fixed amount — your choice.
Unsecured funding — your personal and business assets stay yours.
We accept merchants collecting via card, EFTs, cash or any trackable electronic payments.
Your own 24/7 tracking link
The moment you submit, you'll get a personal tracking link by email and on screen. Use it any time to follow up on your application, upload your 6 months of bank statements, or chat to a consultant — 24/7.
Industries we cover (and more)
Tap any industry to see the types of businesses we typically fund. Not on the list? Apply anyway — we're flexible.
1Retail & High-Turnover Stores
- Clothing shops
- Furniture stores
- Electronics
- Spaza shops
- Convenience stores
2Restaurants, Fast Food & Hospitality
- Restaurants
- Takeaways
- Cafés
- Fast food franchises
- Guesthouses / B&Bs
3Fuel Stations & Forecourts
- Petrol stations
- Convenience stores attached to fuel stations
- Car wash operations
4Automotive Trade
- Workshops
- Panel beaters
- Tyre shops
- Car dealerships
- Parts suppliers
5Wholesale & Distribution
- FMCG distributors
- Cash & carry wholesalers
- Import/export traders
- Stock resellers
6Construction & Trade Contractors
- Building contractors
- Electrical/plumbing companies
- Hardware suppliers
- Material suppliers
- Subcontractors (invoice-based work)
7Healthcare & Medical Practices
- Private doctors
- Dentists
- Pharmacies
- Medical centres
- Specialist clinics
8Beauty, Wellness & Personal Care
- Hair salons
- Nail bars
- Beauty salons
- Spas
- Fitness studios
9Transport, Logistics & Delivery
- Courier companies
- Taxi/bus operators (formal)
- Fleet operators
- Logistics & freight companies
10Professional Services with Recurring Revenue
- Insurance brokers
- Accounting firms
- Marketing agencies
- Security companies
- Training providers
Who Qualifies?
Most South African SMEs with consistent trading history qualify. You don't need a perfect credit record.
- Business operating for more than 1 year
- Average monthly turnover of R50,000 or more
- Registered business
- Currently profitable from sales
- Not under debt review
- Able to meet repayments from sales activity
What our customers have to say
Real merchants. Real growth.
"We received funds within 24 hours and used it to restock for festive season. Repayment flexed with our sales — exactly what we needed."
"The soft credit check meant no risk for me just to see what I qualified for. The process was simple and quick."
"I love that I can pay weekly out of card sales. It feels like the funding is paying for itself as the restaurant trades."
Frequently asked questions
Do you do credit checks on the directors?+
We do a soft check only at quote stage — no impact on your credit score. A full credit and affordability check is only performed by the lender at the formal offer stage.
How long does the application process take?+
It takes 24–48 hours to assess the amount of funding you could access.
What can I use the funding for?+
We don't prescribe what you use your funds for. Common uses include stock and inventory, equipment repairs, seasonal staffing, marketing, and growth opportunities.
What documents do I need?+
Typically your most recent 3 months of business bank statements. Additional documents may be requested by the lender during assessment.
Do you accept EFT payments, not just card machines?+
Yes. As long as your sales come through trackable electronic payments — card, EFT or similar — you can apply.
Ready to grow your business?
Get an instant estimated quote — no commitment, no impact on your credit score.
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