Capital Express - Business Funding Made Easy

As an ATM Solutions client you
can get working capital within
24 hours in 3 simple steps

powered by

As an ATM Solutions client you
can get working capital within
24 hours in 3 simple steps

powered by

Business funding
made easy

As an ATM Solutions client you
can get working capital within
24 hours in 3 simple steps.

powered by

Say hello to Capital Express

In business today, we know how easy it is for the cash in your business to get tied up, but that doesn’t mean cashflow has to be a problem.

Capital Express is a unique, transparent, and flexible Cash Advance solution that can put money in your account within 24 hours. This funding is unrestricted so you can use it however your business needs it.

Boost cashflow
Stock up on your best sellers
Complete business improvements

The best part? You get to select your payment terms based on how often you deposit cash into your Smart ATM^TM. Giving you a flexible, transparent payment plan that reduces day to day cash flow pressures and allows you to concentrate on what you do best – running your business.

6 reasons Capital Express should be
your first choice for funding

Why Capital Express should
be your first choice

Once approved, funds
are available in 24 hours
No asset cover or
collateral required
Affordable frequent
payments
Unrestricted
funding
Fast, flexible,
affordable
No queues,
no paperwork

Here's how to apply

Getting funding is as easy as 1, 2, 3 with Capital Express.

View your available offer.
Select terms that suit you.
Agree to share your information to accept the offer.

That’s it. The cash is in your account, and you can get back to business.

View the amount you are pre-approved for by accessing the myATM portal below.

Here's how to apply

Getting funding is as easy as 1, 2, 3 with Capital Express.

View your available offer.
Select terms that suit you.
Agree to share your information to accept the offer.

That’s it. The cash is in your account, and you can get back to business.

View the amount you are pre-approved for by accessing the myATM portal below.

Here's how it works once
your application
is approved

Here's how it works once your application is approved

The funds are transferred into your bank account within 24 hours
Affordable frequent payments, based on the funds and payment term chosen
Payments are automatically deducted off your cash deposit settlement so it’s just business as usual

Client testimonials

I needed a cash injection for additional festive season stock. Capital Express came through with the bucks and I repay them through my Smart ATM.

 5/5

Name Surname, Business Name

I needed a cash injection for additional festive season stock. Capital Express came through with the bucks and I repay them through my Smart ATM.

 5/5

Name Surname, Business Name

I needed a cash injection for additional festive season stock. Capital Express came through with the bucks and I repay them through my Smart ATM.

 5/5

Name Surname, Business Name

I needed a cash injection for additional festive season stock. Capital Express came through with the bucks and I repay them through my Smart ATM.

 5/5

Name Surname, Business Name

I needed a cash injection for additional festive season stock. Capital Express came through with the bucks and I repay them through my Smart ATM.

 5/5

Name Surname, Business Name

I needed a cash injection for additional festive season stock. Capital Express came through with the bucks and I repay them through my Smart ATM.

 5/5

Name Surname, Business Name

I needed a cash injection for additional festive season stock. Capital Express came through with the bucks and I repay them through my Smart ATM.

 5/5

Name Surname, Business Name

I needed a cash injection for additional festive season stock. Capital Express came through with the bucks and I repay them through my Smart ATM.

 5/5

Name Surname, Business Name

I needed a cash injection for additional festive season stock. Capital Express came through with the bucks and I repay them through my Smart ATM.

 5/5

Name Surname, Business Name

FAQs

How do I get funding through Capital Express?

ATM Solutions has partnered with Retail Capital to provide Smart ATM^TM clients with a pre-approved cash advance. If you qualify, you will receive a real-time offer on the myATM portal or via email. You will be directed to a customized application, and once completed and approved, you will receive funding within 24 hours.

How does the Capital Express Advance funding work?

The pre-approved amount is customised for you based on your daily deposit value.
You select the value and payback period that best fits your business requirements.
If approved, funds are transferred into your nominated settlement bank account within 24 hours.
A set daily % is deducted from your Smart ATM^TM daily cash deposit settlements.

How is the payment fee determined?

You can determine the cash advance value and payment period to best suit your budget.

What are the benefits of the Capital Express Advance Funding product?

Quick application process and funds transferred within 24 hours of approval.
Daily payments are linked to daily cash deposits – a set % is deducted on all cash deposited into the Smart ATM^TM.
Funding is unsecured – there is no security, or collateral required and business assets are not tied up in the funding. Unsecured funding gives you the peace of mind that a bad month will not result in the loss of any assets.

What are the qualifying criteria for a Capital Express Advance?

You will need to have at least 3 consecutive months of consistent daily cash deposits in your Smart ATM^TM.

Is additional (further) funding available during the Capital Express Advance Funding period?

Yes, there is an Easy Top-up offer, which may be available to you. This is a pre-approved funding offer based on your payment behaviour. It will be consolidated to the current balance as one new advance.

How much funding can a business potentially receive?

Funding ranges from R5 000 to R50 000.

How does a Capital Express Cash Advance differ from bank loans?

It is pre-approved which means that the time it takes to get the funds is quick and easy with no red tape.
Traditional bank loans require security in the way of assets or collateral, to secure funding and is typically associated with lengthy, onerous application processes.
The Capital Express Cash Advance is based on daily cash deposits over a period of 3 months and does not require security or collateral.

Is the funding available to foreign nationals?

Yes, it is available to all foreign nationals with valid working permits and valid passports.

What can I use funding for?

Funding is unrestricted – it can be used for any purpose, and you don’t need to share what you intend to use the money for.

Can I settle early?

Yes, you can make an early settlement and no penalty is charged.