Fund stock, smooth seasonal swings and expand your store footprint. We match retail SMEs to lenders that understand FMCG margins and card-heavy turnover.
Most retail and FMCG businesses on Funder are funded in this range. Match speed depends on document quality and the lender's underwriting model.
Get your fundability scoreDaily card and EFT turnover repays the advance proportionally — no fixed instalment.
Bulk-buy stock or cover rent and payroll through slow months.
If you supply other retailers or corporates on 30–90 day terms.
Yes. Most retail-focused lenders on Funder underwrite against bank statements, card-machine turnover and stock — not property. Unsecured working capital up to R5m is common.
Merchant cash advances against card turnover typically pay out within 24–72 hours of approval. Larger working capital facilities take 3–7 business days.
Yes. Multi-branch retailers usually unlock larger facilities and structured terms. Single-store operators are best served by MCAs and short-term working capital.
60-second eligibility check. No credit footprint. Routed straight into your full application.
Browse a neighbouring sector, or start from the funding product you already have in mind.