Merchant Capital Cash Advance
Merchant Capital Cash Advance is a loan from Merchant Capital offering between R 50 000 and R 10 000 000 for growth, established businesses across South Africa. Applications are accepted on a rolling basis.
Overview
Get a cash advance based on your card sales history. Repay automatically from daily card transactions.
Programme details last updated on 12 December 2025.
Full Description
Business cash advance based on your card transaction history. Automatic repayment from future card sales.
Eligibility Criteria
Frequently Asked Questions
How much funding does Merchant Capital Cash Advance offer?
Merchant Capital Cash Advance offers between R 50 000 and R 10 000 000 per applicant.
Who qualifies for Merchant Capital Cash Advance?
Merchant Capital Cash Advance targets growth, established businesses across South Africa. Applicants need a minimum annual turnover of R 1 000 000, at least 1 year of trading history.
When is the deadline for Merchant Capital Cash Advance?
Applications are accepted on a rolling basis.
How do I apply for Merchant Capital Cash Advance?
Check your eligibility with the free readiness check on Okhantu, prepare the required documents, then apply on the provider's website.
Prepare Your Application
Increase your chances of success with these preparation resources.
Provider Guide
Learn about Merchant Capital's application process
Document Checklist
Requirements and deadlines
Download Templates
Business plan, cash flow, projections
Legal Framework
Relevant legislation and compliance
Compliance Check
Verify your CIPC, SARS, B-BBEE status
Get Expert Help
Find a funding specialist