Secure the Equipment, Vehicles, and Assets You Need to Scale

Asset financing provides businesses with the capital to invest in essential equipment, vehicles, and other assets—without putting a strain on cash flow. By leveraging business assets as collateral, companies can access funding to expand operations, enhance productivity, and drive long-term success.

What is Asset-Based Finance?

Asset-based finance is a funding solution where businesses use their existing or future assets as collateral to secure capital. This approach allows companies to unlock the value of their assets while maintaining financial stability.

How Asset Financing Differs from Traditional Loans

Unlike traditional loans that rely heavily on creditworthiness, asset financing is primarily based on the value of business assets. This makes it a viable option for businesses that:

• Have valuable equipment, vehicles, or property.
• Need funding but want to preserve working capital.
• Prefer financing that aligns with business growth.

Types of Asset-Based Finance

• Equipment Financing – Purchase or lease machinery, tools, and technology.
• Vehicle Financing – Fund company vehicles to support logistics and operations.
• Property Financing – Invest in commercial real estate.

Invoice Financing – Unlock capital tied up in unpaid invoices.

How Asset Financing Works

1. Asset Evaluation – Assess the value of business assets.
2. Loan Application – Apply for financing based on asset value.
3. Approval & Funding – Once approved, receive capital to invest in growth.

Repayment – Repay the loan over time while using the asset.

Is Asset Financing Right for Your Business?

Asset-based financing is a great solution for businesses that need funding but want to retain operational cash flow. However, it’s important to consider:

• Loan terms and interest rates associated with asset financing.
• The risk of using assets as collateral and its impact on ownership.

The need for flexible repayment structures that align with cash flow.

Looking for a More Flexible Alternative?

While refinancing is a great option for some businesses, it may not always be the fastest or most accessible solution, especially when immediate working capital is needed.

Why Consider a Merchant Cash Advance?

A Merchant Cash Advance provides businesses with a lump sum of capital upfront, repaid as a small percentage of turnover, adjusting to your cash flow.

• No outstanding invoices required
• Quick approval and fast access to funds
• Repayments that align with business performance

Get Flexible Business Funding with Merchant Capital

At Merchant Capital, we specialise in alternative business funding designed for South African businesses. While we don’t offer invoice financing, we provide Merchant Cash Advances, a smart, flexible way to access working capital when you need it most.

Do You Qualify for a Merchant Cash Advance?

• Minimum turnover of R50,000 per month
• At least one year in business
• South African citizen or have a guarantor

Interested in Applying?

Get Started with a Custom Consultation

Asset-based financing can be a great tool for managing cash flow, but it’s not the only option. If you’re looking for a more flexible, revenue-based funding solution, Merchant Capital is here to help.

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