Need funding to buy stock, bridge a slow month or grow? Compare South Africa's leading alternative business funders — Merchant Capital and FundingHub — then apply directly. PrimeCompare is a comparison platform, not a lender.
Business funding gives South African businesses fast access to working capital — for stock, cash flow or growth — based mainly on your turnover, not just personal credit. Compare two trusted funders below and apply in minutes.
Both are established South African alternative funders that look at your business turnover rather than only your personal credit. Review the fit, then apply on the provider's own site.
Different needs call for different funding structures. Here are the main options and when each makes sense.
You receive a lump sum and repay a fixed percentage of your daily card sales. Repayments rise on busy days and ease on quiet ones, which suits retailers and restaurants with steady card turnover.
A set amount repaid over a fixed term. Best for planned costs — stock for a busy season, equipment, or bridging a known gap — where you want predictable monthly repayments.
Unlock cash tied up in unpaid invoices or bridge a short gap while you wait to be paid. Useful for B2B businesses with long payment cycles and large outstanding invoices.
Business funding finances a registered business — stock, cash flow or growth — and is assessed mainly on turnover and trading history. A personal loan is granted to an individual on their personal income and credit. Business funding usually offers larger amounts and repayment structures that match how a business earns.
It depends on turnover and the provider. Working-capital and merchant cash advance funders like Merchant Capital and FundingHub typically advance from around R50,000 up to several million rand, tied to your average monthly revenue and trading history.
Usually a registered SA business trading 6–12 months, a minimum monthly turnover (often R50,000+), and recent business bank statements. A card machine or steady deposits help. Turnover generally matters more than personal credit.
Much faster than a bank. With clean statements and a complete application, approval and payout can happen within 24–72 hours, versus weeks for a traditional bank term loan.
No — we're a comparison platform. We compare funders and link you to their official application. Amounts, fees and terms are set by the provider based on your business profile.
Compare Merchant Capital and FundingHub above, or explore personal credit options if you need a smaller amount.