You can see the opportunity. Maybe it's coming up to month-end and your shelves are running low. Maybe your equipment is on its last legs and every breakdown costs you customers. Maybe you've had a clear idea of what your business needs for months - you just don't have the cash to make it happen right now.

The demand is there. The plan is there. The cash just...isn't.

Cash flow is the quiet killer of good business decisions. Not bad ideas. Not lazy owners. Rather, the gap between what your business needs right now and what's sitting in your account.

iK Cash Advance is built to close that gap.

What is iK Cash Advance - and how does it actually work?

iK Cash Advance gives qualifying iKhokha merchants access to fast business funding - up to R1 million - based on their card sales history. No paperwork. No contracts. No lengthy bank application.

Your offer is calculated on how much you've traded with iKhokha, which means the funding is already shaped around your business. And for offers under R500,000, there are no credit checks.

Once you accept an offer, funds land in your bank account within 24 hours.

Repayments work differently to a traditional loan. A small percentage is automatically deducted from your daily card sales - every swipe, tap, and insert counts. When business is strong, you repay more. When it's a quieter week, you repay less. No fixed monthly instalments. No due dates hanging over your head. It moves with your business, not against it.

Over 20,000 businesses have already grown with iK Cash Advance. Merchants who've used it saw 167% growth in sales over the three months that followed. That's not a coincidence - that's what happens when the right business funding arrives at the right time.

Do you qualify?

To access iK Cash Advance, you need to:

• Be an active iKhokha merchant for at least 6 consecutive months
• Make more than R2,500 in card sales per month

That's it. If you're already trading consistently with iKhokha, you may already have an offer waiting. Open your iKhokha app and tap "iK Cash Advance" to check your status - it takes seconds.

How to put iK Cash Advance to work

1. Stock up before your busy periods

Picture this: month-end is around the corner. Your regulars are about to come through. Your shelves aren't ready.

With iK Cash Advance, you can stock up before the rush, not scramble during it. Buy in bulk, negotiate better prices with suppliers, and make sure you never lose a sale because the product isn't there.

Demand without stock is just missed revenue. iK Cash Advance turns that demand into actual income.

2. Fix or upgrade essential equipment

A broken fridge. A slow card machine. A faulty oven on a busy Saturday.

Equipment downtime is income downtime. Every hour your tools aren't working, your business isn't earning. iK Cash Advance means you don't have to wait until the savings are there to fix what's holding you back - you can move fast and keep the business running.

3. Make small changes that drive more sales

Sometimes growth doesn't require a massive investment. A better display. A fresher layout. A small upgrade to your customer experience that makes people stay longer and spend more.

iK Cash Advance gives you the breathing room to make those improvements before you've earned them back, because you know the returns are coming.

4. Hire extra help when you need it most

Busy season hits and you're turning customers away because you can't serve them fast enough. That's not a capacity problem. It's a cash flow problem.

Bring in extra help. Cover your peak weekends. Let your business earn what it's capable of earning, instead of being capped by how much one person can handle.

5. Unlock your next level of growth

Add a new product line. Offer a new service. Open a revenue stream you've been sitting on for months.

Growth costs money before it makes money. iK Cash Advance bridges that gap, so you're not waiting for the perfect moment that never quite arrives. And once you've built a healthy repayment record, you can qualify for a top-up, giving you access to even more when the next opportunity shows up.

What stage is your business at?

iK Cash Advance isn't just for one type of entrepreneur. Here's how it can work for you, wherever you are right now.

Just getting started? Use it to build your initial stock, cover early operational gaps, and find your feet faster. A solid foundation makes everything that follows easier.

Growing steadily? Increase your stock levels, handle higher demand, and invest in the customer experience that keeps people coming back.

More established and ready to scale? Expand your product or service offering, upgrade your equipment, and make the bigger moves that take your business to the next level.

Wherever you are, iK Cash Advance meets you there.

Your questions, answered

How do I know if I qualify?

You need to have been trading with iKhokha for at least 6 consecutive months and be making more than R2,500 in card sales per month. If you tick both boxes, open your iKhokha app and tap "iK Cash Advance" to see if an offer is available.

Do I need to apply?

Not in the traditional sense. Your offer is generated based on your existing trading history with iKhokha - no separate application forms or submissions required.

Is there a credit check?

For offers under R500,000, there are no credit checks.

When will I get the money?

Fast. Once you accept an offer, disbursement happens on the first business day after signing. Funds should be in your bank account within 24 hours, depending on your bank.

How are repayments taken?

A small percentage is deducted automatically from your daily card sales. No manual payments. No due dates. Just a quiet deduction that happens in the background every time you take a payment.

What if I have a slow sales day?

You repay less. The repayment percentage is fixed, but the rand amount fluctuates with your daily sales. A quiet day doesn't become a financial crisis.

Are there fixed monthly repayments?

No. There are no fixed monthly instalments. Repayments flex entirely with your card sales.

How much can I get?

Up to R1 million, based on your trading history with iKhokha.

What can I use the funding for?

Whatever your business needs. iKhokha doesn't prescribe how you spend it - you know your business better than anyone.