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Business funding

Compare Merchant Cash Advances in South Africa

Compare funding collected from card sales. The cost is the difference between the advance and the total you repay. That difference is not an annual percentage rate.

Funding eligibility, pricing and security requirements depend on the provider and the business. WiT Money does not approve credit or give a personalised quotation. Information checked 28 October 2026.

Before you compare

A fixed repayment or a factor is not an annual interest rate. The card shows the advance, the fee description and the collection method only as the published notes recorded them. Deductions from card sales can reduce the cash left for the business. These products are not assumed to sit outside the National Credit Act.

A limited company does not remove a director's liability under a valid personal suretyship. Security over a business asset and a personal undertaking are different promises.

Compare providers

The provider name links to the WiT Money profile. The gold button opens the recorded website. It is not an application.

5 of 5 products, in provider name order. A missing price is not shown as zero, and nothing is ranked as cheapest.

  • Merchant Capital. No official logo is shown.

    Merchant Capital

    Merchant Cash Advance

    Revenue-based funder

    Advance
    Offer-specific
    Collection
    Percentage of sales or daily/weekly deduction
    Cost
    Quoted fixed total payback; ask effective APR

    Eligibility. Registered business, at least 12 months, R50k monthly turnover advertised

    Security. Check guarantees

    Advantages

    • Revenue-linked payments possible

    Considerations

    • Daily/weekly deductions reduce cash available

    Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.

    Visit official website (opens in a new tab)

    Estimate with your own figures

  • Mutualism. No official logo is shown.

    Mutualism

    Merchant Cash Advance Matching

    Funding intermediary

    Advance
    Partner dependent
    Collection
    Partner dependent
    Cost
    Funder quote

    Eligibility. Partner requirements

    Security. Depends on funder

    Advantages

    • Several funding routes

    Considerations

    • Not the lender

    Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.

    Visit official website (opens in a new tab)

    Estimate with your own figures

  • Nedbank logo

    Nedbank

    GAP Access

    Bank merchant advance

    Confirm the current product page with the provider.

    The button uses the public homepage.

    Advance
    R30k–R1.5m shown
    Collection
    6 or 9 months, card-sales percentage
    Cost
    Quote required

    Eligibility. Eligible POS turnover

    Security. Check agreement

    Advantages

    • Repayment tracks card transactions

    Considerations

    • Dependent on POS sales

    Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.

    Visit official website (opens in a new tab)

    Estimate with your own figures

  • A product page was not checked. Confirm whether this offer is open.

    Advance
    Quote required
    Collection
    Sales-related; verify
    Cost
    Quoted fee

    Eligibility. Trading/history requirements

    Security. Check guarantee

    Advantages

    • Merchant-oriented funding

    Considerations

    • Current brand/product availability needs confirmation

    Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.

    Visit official website (opens in a new tab)

    Estimate with your own figures

  • Yoco. No official logo is shown.

    Yoco

    Yoco Capital

    Merchant-linked advance

    Advance
    Eligible merchant offer
    Collection
    Percentage of Yoco transactions
    Cost
    Quoted total advance fee

    Eligibility. Eligible Yoco merchant; 6 months stated

    Security. Advertised no collateral; verify terms

    Advantages

    • Automatic sales-based payments

    Considerations

    • Only eligible Yoco merchants

    Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.

    Visit official website (opens in a new tab)

    Estimate with your own figures

Compare selected products

Choose up to three on this page. Prices are not ranked, because they are not the same kind of charge.

A factor or a fixed repayment is not an annual interest rate.

No products selected.

Not shown as a current facility

  • iKhokha. Merchant Funding (verify). Confirm with the provider before treating it as available.

Estimate the cost

Type your own figures. Product cards do not fill these fields, because a published line is not a single rate you can drop into one formula.

Illustrate a merchant cash advance

Use the advance and the total repayable from an offer you have. A blank sales field is not a finding that the provider charges nothing. This does not turn a factor into an annual percentage rate.

What you may need before applying

Providers often ask for company or sole-proprietor details, bank statements, financial statements or management accounts, a cash-flow view, SARS documents, identity documents, and the invoice, order or supplier quote the funding is for. Not every provider asks for every document. The list is preparation, not a decision that you qualify.

Regulation

The National Credit Act does not apply to every business facility in the same way. A juristic person, the size of the facility and the type of agreement can change the position. No NCR number is printed on these cards. A marketplace is not the lender. FSCA authorisation, where a firm has it for another activity, is not shown here as permission to advance this facility.

National Credit Regulator

How WiT Money compares these products

Each page keeps its own products. An invoice fee, an overdraft rate, a merchant factor and a term-loan instalment are not sorted against one another. Nothing is ranked as the cheapest or the easiest approval. A listed name is not a recommendation.

Other funding pages

Sources

Page updated 28 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.