Discover a new way to boost your cash flow and unlock growth opportunities for your business with the Merchant Cash Advance.
We understand the challenges of growing your business. That’s why we’ve partnered with Merchant Capital, a leading alternative working capital provider, to give you fast access to flexible funding within 48 hours.
Boost your cash flow quickly and easily using flexible solutions built for South African businesses like yours. Best of all, secure funding without disrupting your daily operations – fast, simple, and hassle-free.
With Transaction Junction and Merchant Capital, you can take advantage of new opportunities, increase sales, and accelerate growth!
Why choose a Merchant Cash Advance
Unsecured funding
No collateral is required. Access funding without putting your business or personal assets at risk.
Fixed cost of funding
From day one, you know exactly what your business will repay. There are no interest rate fluctuations or hidden costs, giving you financial clarity and control.
Flexible repayments
Repay daily or weekly through our Repay-As-You-Trade model, which aligns with your business turnover and ensures repayments remain affordable and easy to manage.
High-speed funding
Our streamlined application process ensures you could be funded within 48 hours once your application is complete.
Shari’ah-certified option
A Shari’ah-certified funding option is available across relevant industries, empowering ethical growth for compliant businesses.
Get funded in 3 simple steps
01
Complete your application online and receive an indicative funding offer
02
Get approval with support from a dedicated Merchant Capital consultant
03
Access your funds, typically within 48 hours
Common uses for funding
STOCK AND EQUIPMENT PURCHASES
EXPANDING YOUR SERVICE OFFERING OR OPERATIONS
RENOVATIONS OR OPENING NEW LOCATIONS
STAFF TRAINING AND PARTNER BUYOUTS
LAUNCHING MARKETING CAMPAIGNS OR ENTERING NEW MARKETS
STRENGTHENING CASH FLOW AND COVERING DAY-TO-DAY COSTS
HANDLING UNEXPECTED COSTS, TAX PAYMENTS, OR EMERGENCIES
Because you understand your business requirements better than anyone else, you can use the funding in whatever way you see fit. Whether it’s for expansion, equipment, renovations, or more, the choice is entirely yours.
To qualify for a Merchant Cash Advance:
Your business must be operational for 12 months or more
Your monthly turnover must exceed R50,000
You must be a South African citizen or have a guarantor
To find out more about the Merchant Cash Advance, get in touch:
Frequently asked questions
A Merchant Cash Advance is a type of financing that allows businesses to receive a lump sum of cash in exchange for a percentage of future sales. This innovative funding solution is ideal for businesses that need quick access to working capital without the lengthy approval process of traditional loans. Unlike a traditional loan, it has no fixed interest rate or repayment schedule, and repayments align with your daily or weekly turnover.
Once your application is approved and documentation is complete, you could access funding within 48 hours.
No. The Merchant Cash Advance is unsecured, which means you don’t need to pledge any business or personal assets.
Your funding offer is based on your business’s monthly turnover and overall performance. You could qualify for up to 100% of your monthly turnover, with funding typically ranging between R50,000 and R5 million, depending on your business needs.
Repayments are automatically deducted as a fixed percentage of your daily or weekly turnover. This Repay-As-You-Trade model ensures payments remain affordable and aligned with your business income.
The Merchant Cash Advance is designed for a wide range of industries, including retail, restaurants, wholesale/distribution, automotive, beauty/wellness, professional services, medical, and Shari’ah-compliant businesses.
Yes. We offer a Shari’ah-certified funding solution, certified by Standard Bank, and structured in line with Islamic financing principles.
Yes. Our medical funding solution is specifically designed for healthcare professionals, including doctors, dentists, optometrists, and specialists.
To qualify, your business must:
• Have been trading for at least 12 months
• Generate a monthly turnover of at least R50,000
• Be a South African citizen or have a guarantor
Yes. Once approved, you can use the funds for stock, equipment, expansion, renovations, marketing campaigns, staff training, cash flow support, or any other business need.
Unlike bank loans, there’s no collateral required, no fluctuating interest rates, and no rigid repayment terms. The Merchant Cash Advance is designed to be flexible, fast, and aligned with your turnover.
You’ll be assisted by a dedicated Merchant Capital consultant who will guide you through the process, answer any questions, and support you throughout your funding journey.
Yes. Merchant Capital is a registered credit provider with the National Credit Regulator. This ensures full compliance with South African lending regulations and responsible business practices. We are also a proud member of SASFA, the South African SME Finance Association
Since 2012, Merchant Capital has helped thousands of South African SMEs access over R10 billion in funding. We are trusted by industry-leading partners, giving you confidence that your business funding is secure and reliable.
