Your Vision. Our Belief.

For over a decade Retail Capital has provided funding to more than 43,000 Small Business owners in South Africa with over R5.5bn to date.

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Your trusted partner in SME funding

Retail Capital is a proudly South African pioneer. We have a 10-year track record of providing the South African SME industry with alternatives to traditional business loans in the form of funding and asset finance. Now more than ever, we believe in your Vision. You deserve access to working capital and innovative solutions so you can continue to grow your business, and our country’s economy.

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Why Choose Retail Capital?


Industry Leaders with a Global Credit Rating of BB+


Meeting all regulatory requirements, we keep your data protected, safe & encrypted


74% of Business Owners return to Access Future Growth


Online application via our Client Zone

Where Vision Meets Belief

Rub a Dub Car Wash

Your efficiency and promptness is what small enterprises like ours need. You guys are the change-makers, the real economic developers. You make small enterprises work, you help us create jobs, innovate, and grow. You guys make dreams come true. The seamless online process saves us embarrassment, dignifies our efforts to shape our destinies, and provide for those who work for us. A sincere and hearty thanks from a small businessman who is now able to create more than 30 jobs in the next year.

Maps 4 Africa

Thank you for continually being so helpful. I wish the big five commercial banks would learn from you – your service is beyond compare and it’s wonderful to deal with your company.

Adega Express

If it were not for your financial product we have periodically utilised, we may not have survived the economic downturn. The funds helped us realise a new strategy and have now found a new cost-effective method to operate. Thank you for the support of my small business. I employ 15 people and you have enabled us to support their families and extended families through employment.

Delta Gas

I just want to say THANK YOU from the bottom of my heart for the steps you have taken to ease the pressure on businesses. You will be blessed in the future for recognising the need of small business and all the assistance provided.

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