SME Cash Advance | Medical Practice | Legal Practice | Stock Advance | Shari’ah Capital Advance
We offer a range of flexible and affordable funding solutions designed to meet the unique needs of small and medium businesses in South Africa. Whether you’re seeking an SME Cash Advance to cover day-to-day operations, Medical Practice Funding to expand your healthcare business, or Legal Practice Funding for your law firm, we have you covered. We also provide Stock Advances to help businesses purchase necessary inventory and Shari’ah-Compliant Capital for those looking for ethical financing options that align with Islamic principles. Our team will work with you to find the best solution tailored to your business goals.
Since 2012, we've helped businesses access over R10 billion in funding.
Get access to funds within 48-72 hours with no collateral required.
We work with a wide range of lenders to find the best funding option for your business.
No hidden fees or surprises—everything is straightforward and clear.
Fill out a quick 5-minute online application and submit the necessary documents.
( Basic documents include 6 months of bank statements, your ID or passport (if foreign), company documents, and 2 supplier statements. )
A Merchant Cash Advance is an unsecured turnover lending solution. It’s a cash advance leveraged against business revenue and paid over short terms. Its purpose is to unlock working capital quickly and accessibly.
Merchant Cash Advances are structured legally as buy-and-sell agreements of future revenue, not loans. Therefore, the cost is considered a discount on revenue rather than interest, making it Shariah compliant. Some of our funders are Shariah certified.
Each client will get their own risk adjusted rate which we will only be able to determine after going through the application process. B2B Funding is partnered with multiple cash advance providers, so pricing varies. Pricing varies depending on risk, term, and funder mandates.
Repayment methods vary depending on the funder, ranging from daily, weekly, or monthly collections via debit order. We offer flexible terms tailored to your business’s needs.
Merchant Cash Advances are unsecured, meaning no collateral is required. Your business revenue serves as the basis for the advance, eliminating the need for assets as security.
If you get offered a better deal than your current facility, it is very tempting to take it, however, if it’s not a stacked deal, the better offer will come with the condition of settling your current cash advance provider. This could mean big penalties, and these will be massive hidden costs that will make changing funders potentially a very bad idea. It’s advisable to only consolidate your current facility if you have repaid more than 50% of the facility, the further repaid the better. Our Consultants are experts in the industry and will help get you the best offers, and ensure you make the best decisions to avoid the penalties clients often overlook.
Cash advances are ideally suited to short-term needs, such as working capital solutions, business improvements, stock purchases, and cash flow management.
Funders are usually willing to negotiate lower repayments during tough times, provided there’s open communication and a willingness to repay.
B2B Funding has partnered with the top lenders, all offering several advantages, including better terms, quicker processing, and higher approval rates. Instead of going directly when you need funds use a B2B Consultant, why?
You will have access to multiple lenders
We compare better deals for our clients
Our Services Are Free
Correct funder match first time
We do all the work provided you send us required documents
Negotiate Better Terms and Price
Assist with drafting motivation
Yes, B2B Funding works with funders willing to provide additional funding alongside existing advances
Basic documents like Directors IDs, company registration docs (CIPC) and bank statements are required. We might request management accounts and financials should the funders require, but generally the paperwork is always minimal and basic.
B2B Funding is partnered with best-in-class Merchant cash advance funders. We specialize in working capital solutions. We only deal with alternative funders, our clients prefer the speed and ease of our funder vs the banks and other institutional funders’ low approval rates, long turnaround times, securities and tedious application requirements.
Each of our lenders has different sources of funding. Some have large institutional backing; some are self-funded and others have strong investors.
Merchant cash advancing is divided into three qualifying mandates. Some lenders qualify you for 100% of monthly revenue as a cash advance, some 70% and others qualify you for your monthly average revenue multiplied by your GP%. Please Speak to a B2B Funding Consultant and we will submit your application according to the amounts you require
It depends from lender to lender, Early settlement may incur penalties, typically a percentage of the remaining fees.
Yes, with some of the lenders, you can. Higher repayments can be arranged to reduce the term of the advance.
Merchant cash advances don’t operate on traditional interest rates. The cost is a fixed fee or mark-up, determined by factors like risk and term.
Funders allow you to top up your facility once the active account is 50-70% repaid. All that’s required is updated bank statements and a short review
Most funders consider only business credit scores, although some may also look at personal credit scores of the directors. B2B Funding can connect you with funders willing to work with lower credit scores than traditional banks.
Because We partnered with multiple lenders, some offer between 3-24 months. The average deals are written on 6-12 months.
We require minimal documentation, Once received B2B Funding team will Allocate your application to the most suitable funder based on the best match for your needs. From start to finish the process can take 1-3 days. If happy with outcome, you sign the contract and receive your money within 24hrs.
