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.

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?