Fast, Flexible Funding for Your Distribution or Manufacturing Business
Whether you manage a distribution network or run a manufacturing operation, our funding is built for the realities of South African production and supply chain businesses.
Whether you manage a distribution network or run a manufacturing operation, our funding is built for the realities of South African production and supply chain businesses.
Funding designed for distributors and manufacturers
Running a distribution or manufacturing business means managing production costs, supplier relationships, and the cash flow gap between production and payment. Whether you distribute goods to retailers or manufacture products for the market, cash flow gaps can slow your production line or limit your ability to fulfil orders.
Distribution and manufacturing 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 distribution or manufacturing business 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 banking or 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 distributors and manufacturers. We understand the production and supply chain pressures that come with running these businesses.
Apply in minutes and receive an obligation-free offer within 24 hours. When production demands capital, speed matters.
Choose repayments linked to your banking or card turnover, via daily or weekly debit orders, keeping your cash flow predictable across your production and distribution cycle.
Our funding specialists understand the pressures of distribution and manufacturing, from managing raw material costs to bridging the gap between production and payment.
We have extensive experience working with trusted distribution and manufacturing groups across South Africa, giving you the confidence to grow with a lender who knows your industry.
To qualify for Distribution & Manufacturing Finance, your business must meet these requirements:
Your distribution or manufacturing business should generate at least R50,000 per month. We support established 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 wholesale businesses 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 banking or card turnover. This keeps repayments manageable across your order cycle.
Absolutely. Many wholesalers use it to take advantage of bulk order discounts or bridge the gap between supplier payments and client receipts.
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
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