Business finance for SA’s restaurant owners

Shift happens. That’s a statement that rings true for small business owners in the restaurant and hospitality industry in South Africa, isn’t it? For hotel owners, caterers, restaurateurs, fast-food aficionados and even conference facility connoisseurs, a traditional bank business loan just won’t cut it. Whether it’s a rethink of your services, a rejig of your menu or even reimagining your entire business model, it won’t happen without working capital. We recognise the role the hospitality industry plays in supporting our economy and creating job opportunities. So if you loan it or if you want to own it, we want to make your journey less daunting with small business funding that could cover:

Replacing equipment or upgrading furniture & fittings
Safety boots and shoes

Marketing & advertising to build your customer base
Aprons, overalls, boiler suits, gowns and gloves

Replenishing stock, supplies or seasonal demands
Hairnets, safety helmets

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.