Merchant Capital Cash Advance
Merchant Capital Cash Advance is a loan from Merchant Capital for growth, established businesses across South Africa. Applications are accepted on a rolling basis.
Overview
Merchant Capital provides unsecured cash advances repaid automatically from your card sales. Official criteria: business trading 12+ months, monthly turnover of R50,000 or more (about R600,000 a year), SA citizen or guarantor. The advance size is pegged at up to 100 percent of your average monthly card turnover - no rand minimum or maximum is published. Also available via a Standard Bank partnership (including a Shariah-compliant variant).
Programme details last verified on 12 June 2026.
Full Description
Business cash advance based on your card transaction history. Automatic repayment from future card sales.
Eligibility Criteria
Frequently Asked Questions
Who qualifies for Merchant Capital Cash Advance?
Merchant Capital Cash Advance targets growth, established businesses across South Africa. Applicants need a minimum annual turnover of R 600 000, at least 1 year of trading history.
When is the deadline for Merchant Capital Cash Advance?
Applications are accepted on a rolling basis.
How do I apply for Merchant Capital Cash Advance?
Check your eligibility with the free readiness check on Okhantu, prepare the required documents, then apply on the provider's website.
Prepare Your Application
Increase your chances of success with these preparation resources.
Provider Guide
Learn about Merchant Capital's application process
Document Checklist
Requirements and deadlines
Download Templates
Business plan, cash flow, projections
Legal Framework
Relevant legislation and compliance
Compliance Check
Verify your CIPC, SARS, B-BBEE status
Get Expert Help
Find a funding specialist