Most businesses don’t stall because of bad ideas.
They stall because timing gets in the way.
Stock needs to be ordered before demand peaks.
A new site becomes available unexpectedly.
A marketing opportunity opens but the window is short.
And then comes the familiar frustration:
traditional finance takes too long, asks for too much, or wants too much control.
For many growing businesses, the problem isn’t viability.
It’s speed.
Growth Doesn’t Always Fit a Loan Structure
Conventional business loans are built for long-term planning.
But real business doesn’t always move that neatly.
Loans often come with:
lengthy approval processes
collateral requirements
variable interest rates
pressure on ownership or personal assets
That structure works for some businesses — but not for all situations.
Sometimes, what a business actually needs is working capital:
capital that allows you to act now, without reshaping your entire balance sheet.
A Different Way to Think About Business Funding
Working capital isn’t about covering losses.
It’s about unlocking momentum.
Instead of borrowing against assets or giving away equity, working capital is designed to support businesses that are already trading and generating turnover.
That’s where our Cash Advance solution, powered by Merchant Capital, comes in.
It’s a funding option built around how businesses really operate — not how banks prefer to assess them.
How the Cash Advance Works
This solution provides fast, flexible working capital based on your business’s turnover, not your assets.
Key features include:
Fast access to capital
Applications are streamlined, with funding typically available in days rather than weeks.Fixed, transparent cost
No fluctuating interest rates. You know exactly what the funding will cost upfront.No collateral required
Your business and personal assets stay untouched.No equity dilution
You retain 100% ownership — no partners, no investors, no loss of control.Freedom of use
Funds can be used where they matter most to your business.
This isn’t a loan in the traditional sense.
It’s a practical funding tool for businesses that want to move while the opportunity is still there.
How Businesses Use Working Capital Like This
We typically see businesses use this type of funding to:
Invest in additional stock or inventory
Strengthen cash flow during busy or seasonal periods
Purchase equipment or operational assets
Launch marketing campaigns or enter new markets
Expand operations or open new locations
The common thread?
Speed and certainty.
When funding arrives quickly and predictably, decision-making becomes easier.
Who This Is Designed For
This solution is best suited to established, trading businesses that meet a few simple criteria:
Monthly turnover of R50,000 or more
Operating for 12 months or longer
Able to provide 6 months’ bank statements
South African business owner (or supported by a reliable guarantor)
If that sounds like your business, this funding structure was designed with you in mind.
From Application to Funding — What to Expect
The process is refreshingly straightforward:
Apply online
A simple application with quick document uploads.Assessment
Affordability is reviewed based on turnover — not collateral.Receive a funding offer
Clear terms, no obligation.Accept and deploy funds
Often within 48 hours.Repay with ease
Structured, manageable repayment options.
No drawn-out negotiations.
No hidden conditions.
A Smarter Way to Keep Moving Forward
Every business reaches moments where waiting costs more than acting.
If your business is trading well and ready to grow — but traditional funding feels restrictive — this may be a more flexible, realistic alternative.
👉 Apply now to see your personalised funding offer:
https://getstarted.merchantcapital.co.za/commercialfinance
There’s no obligation — just a clear view of what’s possible when funding is designed around momentum, not red tape.
