Every business needs a financial boost to cover daily expenses, invest in new opportunities, and navigate growth. Merchant Capital provides flexible working capital solutions tailored to your cash flow, helping your business stay ahead in South Africa’s competitive market.

Understanding Working Capital

What is Working Capital?

Working capital is the difference between your current assets (cash, inventory, receivables) and liabilities (payables, short-term debts). It keeps your business running smoothly and ensures you have the funds to grow.

How Merchant Capital Supports Working Capital Needs

Our funding solutions, like our Merchant Cash Advance, offer a smart alternative to traditional loans:

• Quick access to capital – Get funding based on your future sales
• Flexible repayments – Aligned with your business revenue

Asset-free funding – We don’t require you to pledge any of your assets

Advantages of Working Capital Loans

• Maintain Healthy Cash Flow – Cover everyday expenses with ease
• Facilitate Business Growth – Invest in inventory, marketing, technology or expansion
• Ease of Application‍ - Quick and straightforward application process designed for growing SMMEs.

Get the funding your business needs today

Let’s find the right working capital solution for you. Apply now and take the next step toward business growth.