The Business Behind The Business.

Business funding
that lets you #TakeCentreStage

Let business funding put your business growth in the spotlight – today.

With a trusted partner by your side, you can confidently take centre stage, knowing that you have a team that’s committed to backing your success every step of the way. We work with you, behind the scenes, to make sure you have what you need to step into the spotlight and take the applause that comes with building your business.

Business funding in
3 simple steps

What you need from us

Safe funding

Your data is safe with us.

Unsecured funding

No security or collateral required.

Unrestricted funding

Use the funding for whatever your business needs.

Flexible funding

Repay it in a way that works for you.

What we need from you

Healthy business turnover

Your business has a monthly turnover of between R50 000 and R10 million.

Proof of turnover

You can link your bank account through TruID or send us PDFs of three months’ bank statements.

Proof of ownership

You’ve owned the business for at least 6 months.

*Final approval is subject to underwriting & credit approval.

Over 70% of the businesses we’ve funded return for more. We could tell you why, but we’ll let them tell you instead.
The service I received from Retail Capital was great. No hidden cost; you know what to expect. Anele, you were very instrumental in providing for our business needs. We see Retail Capital being our business partner for many more years to come.

Amukelani Sithole, Owner of Queens Pub

Customer success stories

You might be wondering ...

What makes your funding different to other alternative funding?

Traditional banks and lenders lack the understanding and appetite to fund a large percentage of South African businesses.

But here’s the thing: these businesses are the lifeblood of the South African economy.

They need reliable funding to thrive. When opportunities present themselves, they need to be able to seize them, and when challenges occur, they need to be able to face them with confidence.

That’s where Retail Capital comes in.
Our business funding is designed by business owners for business owners.
  • When you apply for a merchant cash advance, the money can be in your account in hours
  • Your repayment period can be flexible or fixed
  • Because we’re working with you, not against you, you don’t pay penalties when you settle early
  • Our repayment periods are shorter than those of traditional lenders, because we’re not here to handcuff your business – we’re here to empower its growth
We’ve funded more than 70 000 South African businesses with over R10 billion over the past decade.

You’re one application away from making your vision a reality.

Want to know more about business funding? Read more here.