Fast, Flexible Funding for Your Fast Food Business
From upgrading your kitchen equipment to managing peak-season demand, our funding is built for the realities of running a South African fast food outlet or QSR.
From upgrading your kitchen equipment to managing peak-season demand, our funding is built for the realities of running a South African fast food outlet or QSR.
Funding designed for high-volume, quick-service businesses
Running a fast food outlet or quick-service restaurant means managing high volumes, tight margins, and constant equipment demands, all while keeping service fast and queues short. Cash flow gaps can slow you down at exactly the wrong moment.
Fast food 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 daily 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 fast food 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 card or POS 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 fast food outlets, QSRs, and takeaways. We understand the high-volume trading pressures of the quick-service sector.
Apply in minutes and receive an obligation-free offer within 24 hours. When your business needs capital, speed matters.
Choose repayments linked to your daily card or POS turnover, via daily or weekly debit orders, keeping your cash flow predictable even through quieter periods.
Our funding specialists understand the pressures of running a fast food business, from managing equipment breakdowns to funding a new outlet fit-out.
We have extensive experience working with trusted fast food franchises and buying groups across South Africa, giving you the confidence to grow with a lender who knows your industry.
To qualify for Fast Food Finance, your business must meet these requirements:
Your fast food outlet should generate at least R50,000 per month. We support established quick-service 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 fast food 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 card or POS turnover. This keeps repayments manageable even during quieter trading periods.
Absolutely. Many clients use it to upgrade kitchen equipment, fund a fit-out, or manage stock during peak demand periods.
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
