Merchant Capital

Merchant Capital is an alternative provider of capital for businesses.

Established in 2012, they’ve been taking strides toward perfectly understanding their client’s needs. Originally designed to cater to South African SMEs (Small and Medium Enterprises), they focus more on helping small businesses.

Community growth is a priority they’ve always had. As a company that was in a similar position to many of the country’s SMEs in the past, they know what it’s like to need access to capital and not have it. Merchant Capital provides an easy alternative to complicated bank loans.

Merchant Capital understands your needs

As they’re also entrepreneurs, they understand what the up-and-coming entrepreneurs of today need and want from their business finance. They believe in easy access to working capital and provide their service to meet the need for accessible business loans for small businesses.

They’ve partnered with several larger companies to expand and deliver their products to even more clients in need. These companies also assist in funding your business when you use Merchant Capital’s cash advance service. Cash advances can make a huge difference to a business that needs a little extra help.

Merchant Capital’s partners

Capricorn Capital Partners and Rand Merchant Investment Holdings are two of the three largest shareholders of Merchant Capital. They facilitate Merchant Capital’s cash advance service through their own businesses.

With such affluent partners to learn from and grow with, Merchant Capital has taken leaps and bounds in recent years to deliver better service.

If you’d like to find out if you qualify for these services, all you need is a few short minutes. Speedy service is important at Merchant Capital, and this shines through in how their staff quickly attend to applications.

Merchant Capital can have much-needed capital in your business account in as little as 24 hours.

You can even get an obligation-free quote on their site in just one minute! The full application is also lightning fast - with the entire application process only taking about 7 minutes.

From there, it’s simple: Apply for the amount you need, get approval, and get your business funding!

Merchant Capital feels that it should be easy to get a business loan, so they provide the service you’d expect.

What Merchant Capital actually gives you

Merchant Capital lets you borrow a percentage of your business’s total monthly credit and debit card turnover.

Once this average is calculated, you’ll be able to borrow up to 100% of that amount.

They recommend having that total on hand, in case, but will encourage or dissuade their clients as they see fit.

You can even apply for a re-advance once 70% of your original loan has been paid!

You can apply for a loan online or in person - whichever you’d prefer. Merchant Capital’s friendly staff are available day and night to assist.

How does repayment work?

Merchant Capital has a revolutionary method of repayment available.

Instead of charging you monthly instalments, you pay a percentage of your debit and credit card transactions back to Merchant Capital.

This way, when your business isn’t so busy, you aren’t forced to make crippling payments. But, when you’re busy, you can pay off your loan faster!

They understand that small businesses need flexibility in this regard, providing this repayment option with SMEs in mind.