Rating based on 18 reviews

Merchant Capital

  • Working capital
  • Tailormade loans
  • Competitive rates

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Merchant Capital homepage
Author Merchant Capital. Screenshot of Merchant Capital website.
[Accessed January 24, 2023]

About Merchant Capital

Merchant Capital is a South African company that focuses on supplying SMEs with funding.

Committed to helping their clients, they provide the necessary funding to grow businesses across the country.

Merchant Capital offers its alternative finance with a heavy focus on the growth it can provide. And with as many as 80% of their past clients returning - they’ve got to be doing something right.

From humble beginnings

Merchant Capital was born in 2012 when the three original founders came together to solve a problem. They saw a gap in the SME funding market and felt that they could fill it. Their cash advance products and good service grew their business over the years, and they now partner with 3 of the largest finance companies in South Africa offering a range of small business loans.

Capricorn Capital Partners and Rand Merchant Investment Holdings have all chosen to work alongside Merchant Capital. With much larger and more experienced partners helping them grow, they’ve reached new heights in their fields of expertise.

Understanding through experience

Merchant Capital provides exactly what growing SMEs need and they do this for one simple reason - they were also once entrepreneurs start out. By experiencing the ups and downs of owning and growing a business, they could build the expertise to help others do the same thing.

Larger lenders often don’t provide affordable funding for smaller businesses, the resulting business loans often do more harm than good. That is why Merchant Capital offers comprehensive funding for SMEs - the right way. You can even get a no-obligations quote in only 60 seconds on their site.

Merchant Capital Services

The services Merchant Capital offers are all geared toward small and medium-sized businesses.

To them, it’s important that every business receives its own personalized, tailor-made experience.  They focus on treating you and your business with care, ensuring that every detail of the business funding they provide is beneficial and fair.

They believe in the power of working capital and in providing it to businesses that need it. With Merchant Capital, you could have cash in your business’s account in 48 hours or less.

How it all works

To put it in a nutshell, Merchant Capital provides alternative finance in the form of upfront cash advances. Their loans are best for businesses that use card terminals or accept a large amount of EFT payments throughout the month. This is because their loans are limited to the monthly average combined sales of your debit and credit cards.

You are able to borrow up to 100% of this total amount, and it gets paid back in a very interesting way. Instead of paying off monthly repayments, a percentage of all your debit and credit card sales is paid back to Merchant Capital throughout the month. This way, you don’t struggle with repayments when business is slow, and your loan gets paid back even faster when you’re busy.

Security is a top priority

It’s also of huge importance that all of your personal information is secure. Safety and confidentiality are two things Merchant Capital will never compromise on. So, with a safe and easy online loan application, a simple assessment process, and secure funds in under 48 hours, why go anywhere else?

Merchant Capital – Business loan

  • Loan Type Business loans

Benefits of Merchant Capital

  • Alternative provider of working capital
  • A unique repayment system

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

The funding on offer at Merchant Capital

Merchant Capital provides its tailor-made funding packages in a few different packages.

Each one is designed to benefit a different business model. This way, you pick the package that suits your business best.

Merchant Capital’s alternative finance appears as:

Short-term business loans - These short-term loan amounts are aligned with your turnover for easier repayability. They focus less on credit history and more on the transactional history of your business. They work best for businesses looking to capitalize on a rare opportunity or bargain.

Unsecured business loans - These focus more heavily on a business owner’s credit history, rather than transactional history. Those with more solid credit histories will benefit from these loans, but it’s similar to the prior loan type.

Asset finance - There’s nothing more frustrating for a business owner than needing equipment outside of your budget. Merchant Capital offers this loan option to business owners looking to break down a costly once-off payment into small installments.

A final option is offered to qualifying businesses - the Merchant cash advance. This type of loan combines many benefits from other loan types on offer. Suited for SMEs and growing businesses, it’s a safe and reliable way to get funding into your business account in 48 hours or less.

Application to Merchant Capital

Securing funding for your business can take only a few minutes with Merchant Capital. All you have to do is head to their site, apply, and you’ll have pre-approval in a minute or less. This is a no-obligation application too.

The conditions of lending

Two criteria must be met immediately by a business looking to apply:

  1. The business must already have been operating for at least 12 months. Merchant Capital doesn’t fund startups, unfortunately.
  2. Your business must have a monthly average income of at least R30,000 in card sales. This amount must reflect in your credit and debit card sales.

Once your business has met these two requirements, you’ll be able to apply and successfully reach approval with Merchant Capital. The application itself is simple and transparent. No hidden fees or upfront costs are involved - just a simple and secure business loan agreement.

The details you’ll need to provide

Before you get your funding, Merchant Capital needs a few details from you to complete the application. It’s best to have the following ready before beginning the application process:

  • Full name and surname
  • RSA ID
  • Your business name and age
  • Contact details (mobile number and email)
  • Your monthly turnover details
  • The amount of funding you need

With these details in hand, Merchant Capital can fully assess your business needs and circumstances. They use their innovative technology to craft you a loan. If your business is in need of some valuable working capital, apply at Merchant Capital online and see what kind of funding you qualify for.

Customer Reviews & Testimonials

August 2020

I only use Merchant Capital for my business loans, no one else.

Bernice G
— Nelspruit —

June 2020

I love the way my repayments work with Merchant Capital - I save much more this way.

Ronald K
— Johannesburg —

October 2020

Wouldn’t dream of lending from anyone other than Merchant Capital

Kimberly N
— Cape Town —

Merchant Capital Contact

Physical Address

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed