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.
- 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.
- 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.
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.
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.
- 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.
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.
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.
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.
- National Credit Regulator
National Credit Regulator · checked 28 October 2026
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026