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Merchant Cash Advance, sometimes called a Business Cash Advance is a way where you can get cash for your business within 3 to 7 days.

A merchant cash advance is not a normal business loan, but rather an advance based on future receivables of the business.


  • Easy, Simple and Speedy application process
  • The Merchant Cash Advance is paid to you in approximately 5 business days
  • No security needed (terms and conditions apply)

Who qualifies for a Merchant Cash Advance?

Merchant Cash Advances are offered to businesses that generate a daily turnover. You need to have a successful trading history of at least six months, as well as a turnover of at least R1 000 000 (one million rand) per annum to qualify.


  • Online application form
  • 3 months' bank statements
  • Latest company financials
  • Upload lease agreement


  • Stock Purchases
  • Expansion
  • Upgrade Systems
  • And Much More

Online Application Form

  • Business Information

  • Personal Information

  • This field is for validation purposes and should be left unchanged.

When you need a quick, safe cash infusion for your business traditional commercial loans might offer long-term, low-interest business funding, but it usually is a long drawn-out process before you are approved.

Merchant Cash Advances are great alternatives to a traditional loan, giving you a simple and flexible solution while allowing you the space and time to grow your business on your terms. The economy goes up and down and a small to medium sized business owner you have to act now.

A Merchant Cash Advance allows small and medium sized business owners in the retail sector with fixed or non-liquid assets to finance their company’s short-term operational needs (e.g. purchasing stock for the holiday peak period, optimising marketing campaigns for the quieter periods or acquiring fixed assets like equipment).


High approval rates:
Working capital loans rely on your actual business performance rather than your credit rating, which allows almost any stable business to qualify for funding. Your loan amount will be based on your average monthly revenue from the previous 6 months.

Fast, simple application process:
Applying for a merchant cash advance is painless and straightforward. We’ll evaluate two criteria: the revenue from your monthly turnover and length of time in business.

Quick solution to cash flow problems:
Merchant cash advances offer a fast turnaround time because of the simple application process. Commercial loans can take weeks or even months, whereas a business cash advance can be processed within approximately five or less working days after receiving your application and all required documentation.

This responsiveness can help you pay a creditor in an emergency, or seize a once-in-a-lifetime opportunity as it arises. Merchant funding is a great way to grow a small business.

Your repayments are tailored:
A merchant cash advance keeps your repayments affordable. You won’t necessarily need to risk any collateral or assets, giving you peace of mind. Unlike traditional loans, which require a fixed monthly payment, working capital payments are based on your sales volume. This collection policy supports small businesses through tough months as opposed to draining them.

What Happens Next

We will review your application and get in contact with you by phone to discuss your options and clarify all questions you might have. Your application will then be forwarded for processing and if approved you will receive your cash within 3 – 5 working days.

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