Fast, Flexible Funding for Your Franchise
From managing royalty payments to funding a new outlet, our funding is built for the realities of running a South African franchise business.
From managing royalty payments to funding a new outlet, our funding is built for the realities of running a South African franchise business.
Funding designed for franchise owners and multi-outlet operators
Running a franchise means meeting franchisor standards, managing royalties, and keeping stock and staff levels consistent, all while growing your business within a defined framework. Cash flow gaps can jeopardise your compliance or delay your next outlet.
Franchise 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, franchise statements, and six months of bank records. It takes just a few minutes.
To qualify, your franchise 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 franchise, 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 franchise needs them.
For over 12 years, Merchant Capital has invested more than R50 billion into nearly 60,000 South African businesses, including franchise owners and multi-outlet operators. We understand the unique funding demands of the franchise sector.
Apply in minutes and receive an obligation-free offer within 24 hours. When your franchise needs capital, speed matters.
Choose repayments linked to your card or POS turnover, via daily or weekly debit orders, keeping your cash flow predictable across all your outlets.
Our funding specialists understand the pressures of running a franchise, from managing royalty obligations to funding a new outlet fit-out.
We have extensive experience working with trusted franchise groups and buying groups across South Africa, giving you the confidence to grow with a lender who knows your industry.
To qualify for Franchise Finance, your business must meet these requirements:
Your franchise should generate at least R50,000 per month. We support established franchise businesses ready to grow.
You must be a South African citizen, or have a qualifying guarantor in place, to access this funding.
Your franchise 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 franchise 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 across your trading cycle.
Absolutely. Many franchisees use it to fund a new outlet fit-out, manage royalty payments, or invest in equipment upgrades.
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
