What is a merchant cash advance?

A merchant cash advance gives your business a lump sum of working capital upfront, which you repay as a percentage of your future sales instead of fixed monthly instalments. With a Stitch Express Cash Advance, your offer is based on the sales you already process through Stitch, and repayments are taken automatically.

Who qualifies for a Stitch Express Cash Advance?

Merchants who have traded on Stitch Express for at least six months could qualify. Eligibility is based on your transaction history with Stitch, and all merchants are verified before funds are released.

What do I need to apply?

There are no lengthy forms to fill in. Your offer is calculated from your transaction history with Stitch, and you'll only need to share some basic financial information, such as your bank statements, so we can verify your business.

How do I repay the advance?

A set percentage of your sales goes towards the advance automatically, so there are no debit orders or fixed monthly instalments. The amount you repay changes from week to week in line with your sales.

What happens if my sales slow down?

Your repayment gets smaller, because it's a percentage of what you sell rather than a fixed amount. It may take longer to clear the advance, but a quiet week won't put extra pressure on your cash flow.

How much does a cash advance cost?

Your offer shows the total amount you'll repay before you accept, so you know the full cost upfront.

How quickly will I receive the funds?

Once you're verified and approved, the funds land in your Express balance in minutes.

Can I get another advance later?

Yes. As your sales grow, you could qualify for more funding on your next advance.

I'm not on Stitch Express yet. Can I apply?

You first need to go live with Stitch Express as your payment provider. If you'd like to check your eligibility for an advance once live, get in touch with our team.

Working capital advance, repaid as you sell

Access a working capital advance, based on the sales you already process through Stitch Express. Your offer is calculated from your transaction history with us, so there are no lengthy forms to fill in. You repay a set percentage of your sales, which means you repay less in a slower week and more in a busier one.

Stitch Express merchant dashboard on a laptop, showing a cash advance offer of up to R100,000 and the two steps to qualify

How it works

Working capital in three simple steps

Your offer is based on the sales you already process through Stitch Express. Once you accept your cash advance offer, repayments are settled from your sales automatically.

01 Check if you qualify

If you’re a Stitch Express client that's been trading for more than 6 months, you may qualify. Check your dashboard or reach out to our team to find out

02 Choose your amount

Choose your amount, review the total cost and repayment percentage, and share some basic financial information

03 Pay as you sell

Once you’re approved, the funds land in your Express wallet in minutes. A set percentage of your sales will be settled towards repayment automatically each week

Cash advance application summary in Stitch Express, showing the advance amount, total to repay, share of each payment and estimated pay-off date

Stitch Express screen to accept cash advance terms, with a checkbox to agree to the agreement and an "Accept and get paid" button

Stitch Express cash advance tracker showing 51% repaid, a progress bar, the hold-back rate per payment and a list of repayments

Why choose a Stitch Express Cash Advance

Repayments that move with your sales

Because you repay a percentage of your sales, a busy week clears more of your balance and a quiet week means a smaller payment.

One provider, one relationship

Stitch funds you directly, with no third-party lenders, extra applications or multiple points of contact. Because we already understand how your business trades, your offer is priced on your actual sales performance.

More funding as you grow

The stronger your sales, the more you could qualify for on your next advance.

Cash advance calculator in Stitch Express: choose an amount up to R100k and a repayment term, and see an estimated monthly repayment

See what you could qualify for

Checking your offer is free and comes with no commitment. Log in to your Stitch Express dashboard or get in touch with our team to learn more.

FAQs

Get started, with support from the team

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