Working capital finance for SA small businesses.

Capital upfront, repaid as a fixed percentage of your daily or monthly revenue until the full amount plus the lender’s fee is settled. Quiet months mean smaller repayments; busy months mean faster payoff. In SA this usually shows up as a merchant cash advance against card turnover, or an advance against total monthly revenue.

Is revenue-based finance a fit?

Green flags

  • You have steady card or EFT revenue the lender can read in your statements.
  • Seasonality makes fixed monthly instalments painful.
  • You want the repayment to flex with sales rather than sit on the 1st of each month.

Red flags

  • Margins are thin — the slice off every sale hurts more than it helps.
  • You’re using it to fund something slow-burning that won’t lift sales soon.
  • Total cost (not rate — total cost) is higher than alternatives you qualify for.

Revenue-based finance lenders on Frank’s panel

Revenue-based funding repaid as a percentage of your daily card sales.

WELL by Merchant Capital
Rate: Factor rate 1.08–1.15
Speed: Same day
R30k to R5m
Merchant Cash Advance (MCA)
Rate: Factor rate 1.08–1.15
Speed: Same day
R30k to R5m
Bridgement logo

Bridgement

Verified

Short-term business finance with flexible repayment.

Revenue Advance Facility
Rate: 2–5% a month
Speed: 24 hours

FAQ

Other funding types

Check your business

Not sure this is the right fit? Check your business against every lender’s rules.

It takes about a minute and there is no credit check. Frank checks your answers against every lender’s rules and shows you what fits and what does not. When you choose a lender, Frank sends them your application on the answers you have already given.

See my funding options