Alternative Business Financing: Fund Your Business Growth

While Merchant Capital doesn’t offer all alternative financing options, we believe in helping business owners explore every avenue to secure funding. Here’s what you need to know.

Every business needs the right funding to take its next step. But when traditional loans don’t fit, alternative financing options provide a smarter way to access capital, quickly and on flexible terms.

At Merchant Capital, we specialise in Merchant Cash Advances, a fast and flexible funding solution designed to help businesses manage cash flow, invest in growth, and new business opportunities.

What is Alternative Business Funding?

Alternative business financing refers to non-traditional funding solutions that provide quicker access to capital with more adaptable repayment terms. These options are ideal for businesses looking for a streamlined, growth-focused approach to securing working capital.

Types of Alternative Business Funding:

  1. Invoice Financing – Unlock cash tied up in unpaid invoices.
  2. Peer-to-Peer Lending – Borrow directly from individual investors through online platforms.
  3. Merchant Cash Advances – Access upfront funding based on future sales.

While various options exist, Merchant Cash Advances are one of the most effective solutions for businesses needing fast, flexible access to capital.

Is a Merchant Cash Advance Right for You?

  1. Do you need fast, hassle-free access to capital?
  2. Do you want repayments that adjust to your cash flow?
  3. Do you want to invest in growth with shorter repayment terms?

If you answered yes, Merchant Capital's Cash Advance solution is designed for you.

Let’s Grow, Together

Your business is ready for its next big move. With the right funding, you can take it there. Merchant Capital provides the capital you need quickly, flexibly, and on your terms.

Get the Business Funding You Need Today

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Cash Advance Calculator

Use our online calculator to estimate your advance amount and repayment terms, helping you make an informed decision.

How much would you like to borrow?

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These are indicative amounts only.
All offer amounts and costs are based on your monthly turnover and credit standing.

FAQs: Alternative
Business Financing

What is Alternative Business Financing?

Alternative business financing refers to funding options outside of traditional bank loans, offering flexibility and quicker access to funds.

What are the Types of Alternative Business Financing Options?

Common types include invoice financing, peer-to-peer lending, and merchant cash advances.

How does Alternative Business Financing work?

It typically involves a simpler application process and faster approval times, with repayment terms tailored to your business's cash flow.

What are the Risks of Alternative Business Financing?

Potential risks include higher interest rates and fees, and the need to manage repayments carefully to avoid financial strain.

How do I Qualify for Alternative Business Funding?

Qualification criteria vary by lender but generally include a minimum monthly turnover and a track record of business operations.

Call Me Back

Or Reach Out Directly
Reception:
011 217 2880
info@merchantcapital.co.za
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Merchant Capital HQ

32 Impala Road
Chislehurston
Sandton
2196