Merchant Capital
OpenMerchant Capital Cash Advance
Always verify eligibility and deadlines on the official source before applying.
Funding amount
Amount based on turnover and credit profile
A merchant cash advance for South African SMEs that provides a lump sum of working capital in exchange for repayment through a percentage of future business turnover. It is designed for established businesses needing fast, flexible funding for stock, equipment, expansion, marketing, or short-term cash flow support.
Who qualifies
Business must generate at least R50 000 in monthly turnover, have been trading for at least 12 months, and the applicant must be a South African citizen or have a guarantor. Repayment is made through a percentage of turnover, not fixed instalments. Funding decisions may be made within 24 hours and funds can be disbursed within 48 hours.
What to prepare
Have these ready before you apply.
- Business details and sales history
- Application form
- Supporting business and identity information as requested during approval
Always verify eligibility and deadlines on the official source before applying.