Get a Free Quote, Pick Your Repayment Plan, and Apply in 2 Minutes
A Merchant Cash Advance (MCA) provides your business with a lump sum of cash upfront, repaid through a percentage of your daily or weekly sales. Flexible payment options, no collateral, lighter credit checks. Get your free quote, pick your repayment plan, and apply in less than 2 minutes.
Get Your Instant Quote
Under 2 minutes. No documents required. Your pre-approved amount is calculated from your average monthly turnover.
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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