First to Market

In January 2011, Retail Capital was established to provide businesses with an alternative funding solution to traditional small business loans. As the market leader in South Africa, we have advanced nearly R1 billion to thousands of businesses including restaurants, retailers, beauty spas, and medical practitioners.


Our business cash advance is accessible, flexible and convenient. We do not require security, there are no restrictions on the use of the funds and all costs are fully transparent and agreed up front.

Easy Application

Our application process is quick (and) easy, and the money can be in your account within 5 days. Apply now and a representative will contact you within the next 24 hours.

Do You Qualify?



  • Are you a business owner?
  • Do you have a 6-12 month history of card turnover?
  • Is your monthly average of card turnover > R30,000?

Working capital should be easy to obtain, accessible when you need it and convenient. That’s why we’ve helped South African businesses achieve their goals.

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.

Retail Capital will advance a cash lump sum based on the business’s expected future sales – so the business effectively funds its own growth. We then simply take a fixed percentage of all future card transactions until the agreed repayment value is reached.

Cash, when you need it.



Whether you want to grow your business, take advantage of an opportunity, upgrade or fix equipment, or simply need cash flow support through a difficult trading period, we can provide the financial help that you need.


We help people.



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


Contact us today to find out if your business qualifies. Let’s create the future your business deserves, together.