Merchant Capital

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Merchant Capital Welcome to Merchant Capital! We provide asset-free working capital to help your business grow.

Whether you're expanding your offering, need a cash flow boost, or looking to fund business growth opportunities, we're here to support your business growth

Private practice: what forces an equipment upgrade has changed, and it isn't wear and tear any more.Equipment used to be...
04/09/2026

Private practice: what forces an equipment upgrade has changed, and it isn't wear and tear any more.

Equipment used to be replaced when it physically wore out. Now it's just as often a scheme requirement, a certification, or a data standard that moved. None of which run on your schedule.

The practices that handle it best replace while their cash reserves are strong, rather than waiting until a scheme makes the decision for them. If you're weighing an equipment decision, come and talk to us: https://tinyurl.com/4jrvwuv2

Read more: https://tinyurl.com/4wr7948z

Manufacturers: you fund materials, labour and energy at the front of every job, then wait sixty to ninety days after del...
28/08/2026

Manufacturers: you fund materials, labour and energy at the front of every job, then wait sixty to ninety days after delivery to be paid.

That wait has always been part of the trade. What's changed is what it costs to carry, with diesel up 50.8% on the year.

The real problem isn't the wait. It's that the next order arrives while your cash is still tied up in the last one, and a job you turn down goes to a competitor who had the room.

If your order book is healthier than your bank account, come and talk to us: https://tinyurl.com/4jrvwuv2

Read more: https://tinyurl.com/dea4j7zk

Clothing retailers: freight has become the biggest cost nobody quotes for.Diesel is up 50.8% on the year and transport i...
26/08/2026

Clothing retailers: freight has become the biggest cost nobody quotes for.

Diesel is up 50.8% on the year and transport inflation is at 12.7%. It reaches you inside the supplier invoice, on a range you priced months ago.

Thinning the range to protect cash usually costs more than funding it does. If that's your quarter, talk to us: https://tinyurl.com/4jrvwuv2

Read more: https://tinyurl.com/2zzff6r2

Quiet diary right now? That’s exactly when the workshops that pull ahead get set up for the summer rush.Every workshop h...
18/08/2026

Quiet diary right now? That’s exactly when the workshops that pull ahead get set up for the summer rush.

Every workshop hits the same ceiling. You can only push so many cars through the hoists you’ve got. When the bays are full, the next booking drives down the road, and that’s revenue you’ll never bill.

We built a free tool to help you see it in your own numbers. What one more bay adds a month, against what it costs to finance. The maths is done for you.

Grab the free tool here: https://tinyurl.com/2e5ez5wp

More meat over the counter, but less in the till at the end of the day? You’re not imagining it.Red meat’s up right acro...
13/08/2026

More meat over the counter, but less in the till at the end of the day? You’re not imagining it.

Red meat’s up right across the board, and customers are buying down. The cheapest cuts fly out while the rump and the fillet sit. Bit by bit your counter tilts towards the lines you make the least on.

Your real margin’s usually in what you make yourself. Your wors, your biltong, your marinades. With Heritage Day and the run to December coming, now’s the time to put money into that.

We built a free tool to help you find which lines to trim, which to put on special to pull people in, and where that hidden margin’s sitting before Heritage Day.

Grab the free tool here: https://tinyurl.com/yc39hfxa

Ten years standing with SA butchers. When you win, we win. Here We Grow!

July’s about the slowest month a chair sees, when takings can slip by up to 10%. Clients stretch five weeks between visi...
11/08/2026

July’s about the slowest month a chair sees, when takings can slip by up to 10%. Clients stretch five weeks between visits to eight, watching their money. It’s tempting to hold off, trim the order and stop promoting.

Do that and you walk into spring understocked on your best sellers, with the rent and the VAT bill still landing right on time.

There’s a better move. A small winter special that keeps the chair turning, and a few clients coming back a little sooner. We built a free tool to show you exactly what that’s worth in rand. Put your own numbers in and see.

Grab the free tool here: https://tinyurl.com/bdmu2vjy

Over ten years backing SA salons. When you win, we win. Here We Grow!

A good special works like a treat for customers who are watching their spending. Add something small to a dish they alre...
07/08/2026

A good special works like a treat for customers who are watching their spending. Add something small to a dish they already order, and you earn a bit more on every plate. Take the burger everyone orders and turn it into a combo worth advertising with a fountain soda. A few rand from the fountain, and most of that goes straight to margin.

But there’s a catch. It only makes you money if the add-on is a new sale. If they’d have bought the drink anyway, you’re just discounting it.

We’ve built a free tool that does the maths for you. Put in a dish, build the special, and see what it actually adds, per plate and per week, and whether it’s worth promoting. About three minutes, start to finish.

Grab the free tool here: https://tinyurl.com/2mscza5e

Over ten years funding SA kitchens. When you win, we win. Here We Grow!

More meat over the counter, but less in the till at the end of the day? You’re not imagining it.Red meat’s up across the...
28/07/2026

More meat over the counter, but less in the till at the end of the day? You’re not imagining it.

Red meat’s up across the board and customers are buying down. The cheap cuts fly out while the rump and the fillet sit. Bit by bit your counter tilts towards the lines you make the least on.

Your real margin’s usually in what you make yourself. Your wors, your biltong, your marinades. We built a free tool to help you find which lines to trim, which to put on special to pull people in, and where that hidden margin’s sitting before Heritage Day.

Grab the free tool here: https://tinyurl.com/yc39hfxa

July’s about the slowest month a chair sees. Clients stretch five weeks between visits to eight, watching their money. I...
22/07/2026

July’s about the slowest month a chair sees. Clients stretch five weeks between visits to eight, watching their money. It’s tempting to hold off, trim the order and stop promoting. But do that and you walk into spring understocked, with the rent and VAT bill still landing right on time.

There’s a better move. A small winter special that keeps the chair turning, and a few clients coming back a little sooner. We built a free tool to show you exactly what that’s worth in rand. Put your own numbers in and see.

Grab the free tool here: https://tinyurl.com/bdmu2vjy

Address

Chislehurston
Johannesburg
2196

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00

Telephone

+27112172880

Website

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