Need an eCommerce Business Finance solution?

Keeping a positive cash flow can be tough, especially in the South African economy. Running an online retail company may seem simple because a lot happens behind the scenes but we know (and you know) that there are a lot of running costs. And that’s once you’ve got over the hurdle of the set up costs. From marketing and website builds to stock or shipping, we’re here to help you fund your eCommerce business and focus on growth. Here are a few other costs Retail Capital’s unsecured online shopping funding for small business can help you cover:

  • Marketing & advertising
  • Inventory & utility management
  • Cybersecurity & equipment maintenance
  • Storage & warehousing costs
  • Refunds, returns & transactional fees

To apply for Business Funding

You must have:


R30k+ turnover per month

Trading History

Trade history of 3+ months


Business ownership of 6+ months

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Final approval is subject to underwriting and credit checks

Manage your business funding requirements online

Introducing the Client Zone. A safe and secure online platform that’s accessible anytime, anywhere. The best part? If you create an account and apply for business funding, you could get the cash you need in 48 hours.

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Why choose Retail Capital?


We keep your data safe and protected using 128bit encryption.


Payment structures tailored to your business turnover and cash flow cycles.


Personalised service though our customer concierges, business consultants and Client Zone.


74% of the small businesses we fund are return customers.