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Product Guide: Retail Capital

Retail Capital Content

Since 2011, they have provided businesses with innovative, flexible and convenient alternatives to traditional business loans. Business owners still identify access to working capital as the single biggest challenge that they are faced with. 

Being responsible for 50% of the country’s GDP and contributing to over 65% of employment, they are devoted to partnering with small to medium-sized businesses to grow the South African economy. This is where Retail Capital can help and are proud to have partnered with more than 5000 SME’s in providing funding of more than R1.25 billion to date.


Why Choose Retail Capital

  • Retail Capital was first to market giving business instant access to funding
  • R1.25b in funding
  • 12+ trusted partnerships
  • More than 8 years of funding SME growth
  • Partnered with more than 5000 SMEs


Do you qualify?

  • Are you an existing business owner?
  • Have you been trading for more than 6 months?
  • Do you own a registered business?


If yes, you can qualify.


How it works

Retail Capital will fund your business, based on your future turnover.

They partner with customers, linking payments to business turnover so that they match the cash flow cycles of the business to ensure affordability.

Easy process is promised:

  1. Apply online for funding
  2. A business consultant will assist you in the process of getting funding
  3. Submit supporting documentation
  4. Sign agreement
  5. Funding in your nominated bank account


Who can they fund?

Unsecured. Do you qualify?

If you are a business owner and your business has been operating for more than 6 months, Retail Capital would like to fund your growth. Your funding is determined by your average cash and card turnover per month.


Franchise Funding

If you are a franchise business owner, have been operating for more than 6 months and you belong to a franchise group, Retail Capital would like to fund your growth.