Ever felt like a traditional business loan just doesn’t fit your cash flow? That’s where a Merchant Cash Advance (MCA) comes in. It’s not a loan in the usual sense, think of it more like an advance on your future sales. If your SME processes most of its revenue through card payments, this could be a fast, flexible, and accessible way to unlock cash for expansion, equipment, or even working capital needs. With an MCA, repayments adjust according to your turnover. So during slower periods, you repay less, making it a smart option for businesses with fluctuating sales.
How It Works:
A lump sum is advanced to your business based on your average monthly card sales.
You repay it through a fixed percentage of your daily or weekly card transactions.
There’s no need for traditional collateral or lengthy application processes.
Why It’s Useful:
Best suited for businesses with consistent card sales (e.g. salons, restaurants, retail stores).
Flexible repayments that rise and fall with your daily income.
Quick access to funds - often within days.
Real-World Example:
A boutique coffee shop in Johannesburg, used a Merchant Cash Advance to renovate their seating area and expand their offering with a mobile coffee trailer. Due to most of their payments being done by card, they were able to repay the advance in small, manageable portions - without putting pressure on their cash flow.
Insight:
A Merchant Cash Advance gives SMEs the breathing room to grow while only paying back when they’re earning. It’s a funding solution that adapts to your rhythm, not the other way around.
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