If you’re a professional (certified and belonging to a professional body such as a doctor, lawyer, architect, accountant, etc.) looking to expand your practice or business, you could qualify for a professional cash advance. If your business is over a year old and generates upward of a million Rand annually, you can apply for professional funding up to R 1 500 000.


Professional cash advances (working capital loans) provide liquid cash in a lump sum; allowing you to acquire expensive assets (like computer hardware, software or specialised equipment) without needing to apply for a traditional loan. 


Cash advances are based on your future earnings instead of using your assets as collateral for the loan. Essentially, a professional cash advance isn’t a loan – it’s the sale of future earnings (at a discount). You’ll be selling a fixed Rand amount (e.g. R 150 000) of your card sales (or EFT payments), and your advance will be repaid at a pre-agreed percentage of sales per day or week.


  • Fast, simple application process: Applying for a professional funding solution is much easier than applying for a commercial loan. We’ll evaluate two criteria: your revenue history and length of time in business. 

  • High approval rates: Funding relies on your actual business performance rather than your credit rating. Any stable business will qualify for a cash advance. 

  • Quick solution to cash flow problems: Cash advances can be processed within five working days where traditional loans can take weeks or even months. This responsiveness can help you pay a creditor in an emergency, or seize a once-in-a-lifetime opportunity as it arises. A working loan is a great way to grow a small practice.

  • Your repayments are revenue-based: A professional cash advance keeps your repayments affordable and flexible. You won’t necessarily need to risk any collateral or assets, giving you peace of mind.


Contact us

to find a suitable cash flow solution for your business.

Tel: 087 550 1953 / 012 004 0581


Who qualifies for a Business Cash Advance?

Business Cash Advances are offered to businesses that accept credit or debit cards as a payment option, or have a consistent monthly EFT income. You need to have a successful trading history of at least one year, as well as a turnover of at least R1 000 000 (one million rand) per year to qualify for a Business Cash Advance.

What will a Business Cash Advance cost me?

At Business Capital, we charge you a very competitive factor rate. The rate depends on the term you choose to repay the advance.

What are the advantages for obtaining a Business Cash Advance?

Speedy, easy and simple application process The Business Cash Advance can be paid to you in approximately 5 business days No security needed (terms and conditions apply) Payments are flexible, when business is down you have an option to pay less and vice versa You don’t have to worry about repayments as it is directly tied to your business’s daily card sales

How much funding does my business qualify for?

The advance amount you qualify for is calculated on the total income of your business, credit card, cash, and EFT transactions.

How can we help you reach your business goals?

Contact us today to find out if you qualify for a retail / merchant cash advance.

Tel: 087 550 1953 / 012 004 0581