How a stock advance can help your small business grow

Managing stock is one of the biggest challenges for spaza shop owners. A delay in restocking or an unexpected expense can leave your shelves empty, and when your shelves are empty, your customers go elsewhere.

That’s where Shop2Shop’s Stock Advance can make all the difference. Instead of waiting until you have the cash, we help you top up your stock immediately, keeping your shelves full, your customers happy and your business moving forward.

Is a stock advance right for me?

If you’ve ever lost a sale because an item was out of stock, the answer is yes. A Stock Advance gives you instant access to cash for stock purchases and you simply pay it back as you trade. No stress, no paperwork, just reliable support when you need it. All this comes with a 2% service fee, with no hidden costs or long-term commitments.

Who can use a spaza shop stock advance?

A Stock Advance is designed to support your business growth, with eligibility tied directly to the volume of payments processed on your Shop2Shop device. A “good” shop in our system is one that manages money well, grows steadily and repays advances on time.

A “bad” shop may have some ups and downs in income or occasional missed payments, but with consistent performance and good repayment habits, it can grow into a shop with high eligibility over time. Your behaviour helps shape your risk score, which determines how much you qualify for. Every shop can improve its score and access bigger advances in the future.

Since the loan is short-term and based on your transaction history, the more you trade, the more funds you unlock. This system gives you peace of mind, ensuring you can restock whenever you need supplies without having to immediately come up with the full cost.

Qualification for a Stock Advance requires your account to be fully Know Your Customer (KYC) verified. If you don’t see the application option in your app, completing your KYC verification is the required first step. Once verified, you will be guided to the Stock Advance option to see if you qualify.

If you qualified before but don’t anymore, it means one of two things: you no longer meet the risk requirements, or you defaulted on a past loan (for example, if it took longer than 3 days to repay).

Support when your spaza shop needs it most

Shop2Shop’s Stock Advance is designed to give you peace of mind, knowing you can restock whenever you need to without immediately coming up with the funds. It gives you peace of mind knowing that you have support when unforeseen financial challenges pop up. Check your app to see if you qualify.

Not a Shop2Shop customer yet? WhatsApp us on 062 467 5939 to learn more about how we can help you prosper.