The Tuesday Tips in the last few weeks spoke about strengthening your financial position and business strategy as you step into the new financial year.
This week, we’re taking that one step further by looking at a funding solution that gives SMEs flexibility when cash flow timing doesn’t quite align — Merchant Cash Advance.
Merchant Cash Advance (MCA) remains a trending and practical funding option for businesses that accept card sales. If you make use of Point of Sale (POS) devices for your business, then the Merchant Cash Advance funding solution is a fast, flexible way to access cash for your business. Card machines provide an easy to interpret data source for lenders. It is a very predictable way to estimate how much a business can afford to repay.
How does it work?
A Merchant Cash Advance is different to a traditional loan - it’s a fast, performance-based advance against future card receivables and gives you access to capital when you need it most, with repayments linked to your card actual sales. Here's why that matters:
Repayments move with your sales: If sales are slow, repayments decrease; when sales grow, you repay more - easing pressure during quieter periods.
No fixed monthly instalments: With an MCA, repayments are performance-based, which protects cash flow.
Faster approvals: Since lenders assess your card turnover history, approval is often quicker.
The advantage?
MCA turns your daily card sales into an asset you can use strategically. Instead of waiting for cash to accumulate slowly, you can access it upfront and repay it gradually through the same system that generates your revenue. Many SMEs already qualify for MCA simply by using modern POS systems such as iKhokha and Yoco. These platforms allow businesses to accept debit and credit card payments, and because they track transaction history, they make it easier for funders to assess turnover and offer flexible finance options.
Bottom Line:
Merchant Cash Advance is designed for businesses that process card payments.
It’s not a traditional loan — it’s an advance against your future card revenue.
Instead of fixed monthly payments, repayment is a small percentage of your card sales.
Don't delay, make use of MCA today!
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.png)