Fast, Flexible Funding for Your Food or Beverage Retail Business
Whether you run a supermarket, deli, butchery, or liquor store, our funding is built for the realities of South African food and beverage retail.
Whether you run a supermarket, deli, butchery, or liquor store, our funding is built for the realities of South African food and beverage retail.
Funding designed for food and beverage retailers
Running a food or beverage retail business means managing perishable stock, supplier relationships, and high-frequency transactions, whether you operate a supermarket, deli, butchery, or liquor store. Cash flow gaps can leave your shelves short at exactly the wrong time.
Food and beverage retail 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 food or beverage retail 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 supermarkets, delis, butcheries, and liquor stores. We understand the stock and cash flow pressures of food and beverage retail.
Apply in minutes and receive an obligation-free offer within 24 hours. When your shelves need restocking, speed matters.
Choose repayments linked to your card or POS turnover, via daily or weekly debit orders, keeping your cash flow predictable even through quieter trading periods.
Our funding specialists understand the pressures of food and beverage retail, from managing perishable stock to funding a store expansion or equipment upgrade.
We have extensive experience working with trusted food and beverage retail franchises and buying groups across South Africa, from supermarkets and delis to butcheries and liquor stores, giving you the confidence to grow with a lender who knows your industry.
To qualify for Food & Beverage Retail Finance, your business must meet these requirements:
Your food or beverage retail business should generate at least R50,000 per month. We support established retailers 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 food and beverage retail 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 bulk-buy stock, fund a store refurbishment, or invest in new refrigeration or display equipment.
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
