Working Capital: Funding Your
Business Growth

Get the working capital finance your business needs to stay afloat, operate smoothly, and achieve its goals with Merchant Capital.

Working capital serves as the vital pulse of your business, funding day-to-day functions and empowering you to grasp opportunities for expansion. In South Africa, securing dependable working capital financing is essential for small to medium-sized enterprises (SMEs) aiming to flourish in a competitive environment.
Merchant Capital provides innovative funding solutions, such as merchant cash advances, designed to meet the distinctive requirements of your business.

Components of Working Capital

Understanding Working Capital

  • Working capital is the difference between your current assets and current liabilities.
  • It includes current assets (cash, inventory, receivables) and current liabilities (payables, short-term debts).
  • Explore various methods to finance your working capital needs effectively.

How Merchant Capital Supports Working Capital Needs

Our Approach to Working Capital Finance

  • A flexible alternative to traditional loans, providing funds based on you future sales.
  • Unlike conventional loans, merchant cash advances offer hassle-free, quick access to capital without stringent qualification criteria.
  • Enjoy stress-free financing with flexiblere payment terms tailored to your cash flow.

Advantages of Working Capital Loans

The Benefits of Working Capital Finance

Effective Cash Flow Management‍

Maintain a steady cash flow to manageday-to-day expenses.

Facilitating Business Growth

Use the funds to invest in growthopportunities and scale your operations.

Ease of Qualification‍

Quick and straightforward qualificationprocess designed for SMMEs.

Empower Your Business with Working Capital

Recap the importance of working capital and how Merchant Capital’s merchant cash advances provide the perfect solution for your financing needs. Explore alternative financing options to fuel your business growth today.

Reach out for a tailored consultation to discover the alternative financing solution that best fits your business needs.

Get Started with Merchant Capital

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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: Understanding Working Capital

What is Working Capital?

Working capital is the difference between current assets and current liabilities.

What Does Working Capital Consist of?

It consists of assets like cash, inventory, and receivables, minus liabilities like payables and short-term debts.

Is Cash included in Working Capital?

Yes, cash is a key component of working capital.

How to Calculate Working Capital?

Subtract current liabilities from current assets.

How to Increase Working Capital?

Improve your cash flow by increasing sales, collecting receivables faster, and managing payables efficiently.

Is Working Capital Suitable for an SME?

Absolutely, it ensures that SMEs can manage daily operations and pursue growth.

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