Capital Express - Business Funding Made Easy

Get up to R1 million quickly and hassle-free
with our overdraft solution!

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 or dispense cash from your self-cashed ATM. 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

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 daily settlement so it’s just business as usual

FAQs

How do I get funding through Capital Express?

ATM Solutions has partnered with Retail Capital to provide Smart ATM^TM and Self-cashed ATM 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 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 or cash dispensed – a set % is deducted on from daily settlement.
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 6 consecutive months of consistent daily cash deposits or withdrawals.

How much funding can a business potentially receive?

We offer up to R1 Million in funding.

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 or withdrawals over a period of 3 months and does not require security or collateral.