We’re excited to announce that WvdW Financial Services has partnered with Merchant Capital, one of South Africa’s leading providers of alternative working capital solutions for SMEs.
Through this partnership, we can now help fast-track access to working capital finance for your business—with decisions made in just 48 hours. Managing working capital effectively is crucial for sustaining and growing your business, and our financing solutions are designed to help you do just that.
Working capital is the difference between a company’s current assets (such as cash, accounts receivable, and inventory) and its current liabilities (such as accounts payable, SARS liability and short-term debt). It is a measure of a business’s short-term financial health and ability to cover its day-to-day operational expenses.
The formula for calculating working capital is: Working Capital = Current Assets−Current Liabilities
- A positive working capital indicates that a company has enough assets to cover its short-term obligations, while a negative working capital may signal potential liquidity issues.
A working capital loan is a short-term financing option designed to help businesses cover their daily operational expenses, such as payroll, rent, inventory, tax liability and other short-term liabilities. Unlike long-term loans used for major investments or expansions, working capital loans provide immediate liquidity to ensure smooth business operations.
These loans can be structured as term loans, lines of credit, invoice financing, or merchant cash advances, depending on the business’s needs. They are particularly useful for managing cash flow fluctuations, handling seasonal demand, or seizing new business opportunities.
Why This Finance Option Stands Out:
- Quick Turnaround: Get an answer within 48 hours.
- No Red Tape: Easy application with minimal paperwork.
- Capital Loan Based on Revenue: Access up to 100% of your average monthly card/EFT turnover.
- Fixed Costs Only: No hidden fees or interest surprises.
- Flexible Repayment: Choose between daily or weekly repayment options.
Do You Qualify? If your business:
- Is a South African SME with over R50,000 in monthly EFT or card sales.
- Has been operating for 12 months or more.
- Has a valid lease or owns property.…then you’re ready to apply!
Managing Working Capital with Ease Understanding and calculating working capital is essential for business stability. With our financing options, you can ensure a healthy cash flow, cover operational expenses, and take advantage of new opportunities without financial strain.
We’ll Guide You WvdW Financial Services will facilitate the entire process—from eligibility checks to application submission—so you can focus on running your business while we handle the rest.
Let us help you grow with confidence.
To get started, please contact our offices for assistance.
- 011 476 1112
- info@wvdw.co.za
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