Merchant Capital
✓ Verified by FrankRevenue-based funding repaid as a percentage of your daily card sales.
About Merchant Capital
Merchant Capital provides cash advances to businesses that process card payments. You receive a lump sum upfront and repay it automatically through a small percentage of your daily card transactions. When sales are slow, you pay less. When sales are strong, you pay more. There are no fixed monthly instalments.
Is Merchant Capital a fit?
Typically fits
Businesses that process card payments regularly. Restaurants, retail shops, salons, medical practices. Works well if your revenue fluctuates because repayments flex with your sales.
Probably not a fit if
Businesses with no card machine or very low card turnover. If most of your revenue is cash or EFT, this product will not work. Also not ideal if you need longer than 6 to 8 months to repay.
Products
Merchant Cash Advance (MCA)
Revenue-basedFast, short-term business funding advanced against card and bank turnover with fixed costs and flexible repayments.
- Rate
- 1.08x – 1.15x
- Speed
- same_day
- Amount
- R30k – R5m
- Term
- 1-12 mo
Best for: Businesses with card machines
WELL by Merchant Capital
Revenue-basedShort- to medium-term funding for medical practices, advanced against predictable medical-aid income.
- Rate
- 1.08x – 1.15x
- Speed
- same_day
- Amount
- R30k – R5m
- Term
- 1-36 mo
Best for: Medical practices
Funding types Merchant Capital covers
FAQ
Is Merchant Capital a registered credit provider in South Africa?+
Merchant Capital operates in the South African SME lending market. For specific regulatory status (NCR registration, FSP licence), check their website or the regulator's public register.
How fast can Merchant Capital fund a business?+
Decision times depend on the specific product and your documentation. Frank shows typical speed per product — your specific application can go faster or slower based on the docs you have in hand.
What documents does Merchant Capital need?+
Standard SA lender paperwork: last 3-6 months of bank statements, CIPC company documents, director IDs, and — depending on size — latest financials or management accounts. Frank surfaces the exact requirements per product before you apply.
Why apply via Funded by Frank rather than directly?+
Same rates, same application, but Frank walks you through it and compares Merchant Capital to alternatives before you commit. If Merchant Capital isn't the right fit, Frank points you at the better option.
Does Funded by Frank charge me to apply?+
No. Frank is free for businesses. We earn a referral fee from Merchant Capital only if your application lands — that doesn't change the rate or terms you get from them.
Apply to Merchant Capital via Frank — no obligation, no fees.
Answer a few quick questions about your business and Frank will show the funding shapes that typically fit — with the lenders who offer them.
See your funding options