Fast, Flexible Funding for Your Bar or Restaurant
From restocking your bar to renovating your dining room, our funding is built for the realities of running a South African food and beverage business.
From restocking your bar to renovating your dining room, our funding is built for the realities of running a South African food and beverage business.
Funding designed for the pace of hospitality
Running a bar or restaurant means managing stock, staff, and seasonal demand, all while keeping service consistent and customers coming back. Cash flow gaps are common, and they can cost you a key supplier relationship or a critical upgrade.
Bar and restaurant finance gives you fast access to working capital without the red tape of a traditional bank loan. It's unsecured, meaning no collateral is required, and repayments are structured around your trading turnover.
Complete a simple online application and upload your proof of residence, business statements, and six months of bank records. It takes just a few minutes.
To qualify, your bar or restaurant must be registered in South Africa, trading for at least 12 months, generating R50,000+ per month. You must be a South African citizen or have a qualifying guarantor. We do not fund start-ups.
We assess your details and design a funding solution tailored to your business, with repayment terms you can manage confidently.
Repayments can be structured as a percentage of your card turnover, via daily or weekly debit orders. We'll recommend the option that best fits your trading pattern.
Once approved, funds are deposited into your account within 24 hours, ready when your business needs them.
For over 12 years, Merchant Capital has invested more than R50 billion into nearly 60,000 South African businesses, including restaurants, bars, and eateries. We understand the trading pressures that come with running a hospitality business.
Apply in minutes and receive an obligation-free offer within 24 hours. When your business needs capital, speed matters.
Choose repayments linked to your card or POS turnover, via daily or weekly debit orders, keeping your cash flow predictable even through quiet periods.
Our funding specialists understand the pressures of running a bar or restaurant, from managing seasonal slowdowns to funding a kitchen upgrade.
We have extensive experience working with trusted food and beverage franchises and buying groups across South Africa, giving you the confidence to grow with a lender who knows your industry.
To qualify for Bar & Restaurant Finance, your business must meet these requirements:
Your bar or restaurant should generate at least R50,000 per month. We support established hospitality businesses ready to grow.
You must be a South African citizen, or have a qualifying guarantor in place, to access this funding.
Your business must have been trading for at least 12 months. We do not fund start-ups.
Use our online calculator to estimate your advance amount and repayment terms, helping you make an informed decision.
These are indicative amounts only.
All offer amounts and costs are based on your monthly turnover and credit standing.
See how South African businesses like yours have unlocked growth and new opportunities with our tailored funding solutions.
Most bars and restaurants are approved and funded within 24–48 hours of submitting the required information.
Repayments are made via daily or weekly debit orders, linked to your card or POS turnover. This keeps repayments manageable even during quieter trading periods.
Absolutely. Many clients use it to restock their bar, upgrade kitchen equipment, or renovate their dining area.
No. It's a cash advance: no collateral and no drawn-out bank processes. Approval is quick and repayment is designed around your business.
Yes. Once 70% of your facility has been repaid, you qualify for a re-advance. If you didn't take the full amount initially, you can top up at any point.
32 Impala Road
Chislehurston
Sandton
2196
