Proud supporters of SA small businesses

As business owners ourselves, we understand the difficulties of running a business. Most of us will experience a cash flow challenge at some point in the next 12 months causing us to miss out on an opportunity or adding pressure to our business.

Our national survey highlighted a long and complicated process, high decline rates, inflexible products and a lack of understanding of specific challenges faced by small businesses as key issues. Click here for full details

There had to be an easier way! – In January 2011, we launched the business cash advance.

Business cash advance. Flexible-terms - Retail Capital - An alternative to traditional business loans

Our business cash advance is an accessible, simple, flexible and convenient alternative to traditional small business loans providing working capital when your business needs it. Payments are linked to business turnover, all costs are agreed upfront and we approve over 80% of merchant applications.

Simple-and-quick-process - Retail Capital - An alternative to traditional business loans

Our application process is quick, easy and the money can be in your account within 10 days. There are no restrictions on how you use the funds and we don’t require security.

As the market leader, we have advanced over R250m to hundreds of businesses including restaurants, retailers, beauty spa’s, and medical practitioners. The business cash advance works so well that over 70% of our customers have taken a re-advance.


What our customers are saying…

“We appreciate the personalised service as well as willingness and ability to tailor their programme to our specific needs”

“I have no hesitation in recommending Retail Capital to other business owners”

“Retail Capital is professional and provides excellent customer service”

“I will certainly be using Retail Capital again as their ‘no fuss’ approach suits me”

“Retail Capital enters into a win-win partnership and shares in the ups and downs of our trading seasons”

“I was able to leverage off the success of my existing restaurant to help fund my new venture”

“We have been most impressed with their diligent and efficient approach”

See who we have helped.