May 15, 2026 | Stock Advance Update

What is Stock Advance?

Stock Advance is a support solution from Shop2Shop that helps merchants grow their businesses. It lets them get more stock without paying upfront. This means they can meet customer demand, sell more, and expand faster.
More stock, More sales, Faster growth.

Who Can Get It?
•Traders are eligible based on their card (swipe) transactions
•Your eligibility is calculated automatically in the Shop2Shop app
•Make sure your account is verified

How It Works
•It’s a 24-hour loan
•You pay it back in 24 hours
•2% service fee
•The loan amount depends on your swipe history

How to Check If You're Eligible
•Open the Shop2Shop App
•Look for the Advance option
•If available, your qualified amount will show


Important Messaging Info

•Customers will get messages based on their KYC status:

Verified customers → directed to the Stock Advance button
Non-verified customers → directed to complete KYC

•Only qualifying customers will receive the messages.
Those who are KYC verified are on the left, and those who are not are on the right.



🧾 Frequently Asked Questions

Q. What is the service fee % charge? 
A. The service fee is 2%

Q. Stock Advance term? 
A. The term is 1 day

Q. I qualified for SA previously, and now I don't. Please tell me why? 
A. If you do not qualify anymore, it means that you do not meet or minimum risk requirements or you had an overnight loan and defaulted, i.e., took more than 3 days to repay the loan.

Please advise the following for trader that does not qualify for Stock Advance:

• Please advise traders who do not currently qualify for a Stock Advance that in-app advances are updated hourly. Traders can check the app again after an hour to see if they have become eligible.
• In-app loans are fully automated. If a trader qualifies, the advance option will automatically appear on their app. If they do not qualify, the option will not be visible. 
• Traders who fail to repay their loan advance within the allocated repayment period may be penalized and could lose eligibility for future advances. As per the terms and conditions agreed to when accepting the loan, all repayments must be made on time. Defaulting on payments may be a reason why the trader no longer qualifies. 
• Eligibility may also be affected by a decrease in the overall financial performance of the business, including lower turnover, reduced client swipes, or fewer cash drops.
•  Traders are encouraged to continue growing their business activity by increasing customer transactions, encouraging client swipes, and maintaining regular drops. They may retry their application again after some time, for example within a month.