Two lenders on Frank’s panel, set against each other on the rules each one publishes. Which fits depends on your business, so this is what each asks for.
Figures last updated 19 September 2026
Typically fits: Businesses that process card payments regularly. Restaurants, retail shops, salons, medical practices. Works well if your revenue fluctuates because repayments flex with your sales.
Read the full Merchant Capital reviewTypically fits: SMEs that need quick unsecured funding without putting up assets. Good for businesses with consistent cash flow that need a predictable repayment amount.
Read the full Pollen Finance review| Lender and product | Min. turnover | Min. trading | Amount | Security | Card sales | Credit record | Documents | Rate |
|---|---|---|---|---|---|---|---|---|
| Merchant Capital Merchant Cash Advance (MCA) Revenue-based | R50k a month | 8 months | R30k to R5m | None | Needed | Clean record | 6 months’ bank statements | Factor rate 1.08–1.15 |
| Merchant Capital WELL by Merchant Capital Revenue-based | R50k a month | 8 months | R30k to R5m | None | Not needed | Clean record | 6 months’ bank statements | Factor rate 1.08–1.15 |
| Pollen Finance Unsecured Business Loan Term loan | R83k a month | 12 months | R100k to R6m | None | Not needed | Some adverse credit considered | 6 months’ bank statements | Flat fee |
Merchant Cash Advance (MCA) · Revenue-based
WELL by Merchant Capital · Revenue-based
Unsecured Business Loan · Term loan
Neither is better for every business. On their published rules: Merchant Capital looks at businesses turning over R50k a month; Pollen Finance asks for R83k. Merchant Capital looks at businesses trading for 8 months; Pollen Finance asks for 12. Pollen Finance goes up to R6m; Merchant Capital up to R5m. Pollen Finance will consider a business with some adverse credit; Merchant Capital wants a clean record. Frank checks your business against both, and the rest of the panel, in about a minute.
No. You are never charged for using Frank. If you are funded, the lender pays Frank a referral fee, and the fee is the same whichever lender you choose, so it never changes the rate you are offered.
Check your business
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.
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