Who qualifies for merchant cash advance?
- 6+ months card sales
- R30k+ monthly card turnover
South Africa
Merchant Cash Advance for SA SMEs — apply once, compare lenders.
Lump-sum advance repaid as a small percentage of daily card / POS turnover.
No credit pull Instant score One application, many funders
At a glance
Amount
R50,000 – R2m
Turnaround
24–48 hours
Best for
Retail, hospitality, e-commerce
- Repayments flex with daily card sales
- Approval in 24–48 hours
- No fixed monthly debit order
- Ideal for retail, hospitality and e-commerce
What you'll need to apply
Merchant statements
Bank statements
ID
Upload once on Funder — every matched lender sees the same pack.
How it works
Getting merchant cash advance on Funder
- Step 01
Check your fundability
Answer a few questions and get an instant readiness score — no credit pull.
- Step 02
Get matched to lenders
We rank lenders by approval odds, cost and turnaround for your profile.
- Step 03
Submit one application
Upload documents once. Multiple lenders review in parallel.
- Step 04
Compare offers & accept
Review terms side-by-side and accept the best fit.
Lenders
See all lenders Merchant Cash Advance lenders we work with
No upfront fees
Funder is free for SMEs. Lenders pay us when you get funded.
Built for SA realities
B-BBEE, SARS tax compliance, CIPC and VAT logic baked in.
One application, many lenders
Stop re-submitting the same docs to every funder.
FAQ
Merchant Cash Advance in South Africa — questions answered
How does a merchant cash advance work?
You receive a lump sum and repay it as a fixed % of each day's card / POS turnover until the agreed amount is repaid.
What if sales are slow?
Because repayment is a % of turnover, slow days mean smaller repayments — protecting cash flow versus a fixed instalment.
What's the minimum card turnover required?
Most providers want at least R30,000 / month in card sales over 6 months.
Explore merchant cash advance by segment
Tailored pages for industry and revenue band.
Merchant Cash Advance for RetailMerchant Cash Advance for HospitalityMerchant Cash Advance for ConstructionMerchant Cash Advance for ManufacturingMerchant Cash Advance for Logistics & TransportMerchant Cash Advance for Professional ServicesMerchant Cash Advance · under R30k / monthMerchant Cash Advance · R30k – R100k / monthMerchant Cash Advance · R100k – R250k / month
Ready to see what you qualify for?
Get your free Fundability Score, see your matched merchant cash advance offers, and apply once.