The company offers lump sum cash advances within 24-48 hours to small and medium businesses in South Africa, in exchange for a fixed percentage of future card revenue. It was founded to address the lack of funding that often leads to high failure rates among small businesses. With a vision to become a leading provider of disruptive financial services in emerging markets, Merchant Capital understands the challenges faced by entrepreneurs and aims to provide trustworthy cash flow alternatives. Recognized as the winner of the 2020 FinTech Awards for Best Small Business Funding Solution in South Africa, the company specializes in offering alternate sources of working capital for growing businesses.