Yes, we do! Although we don’t fund them in the ‘great idea’ stage, we fund all companies, including young ventures that have been operating for at least six months and meet our turnover criteria.

Unlike typical loans, Retail Capital provides low-risk funding and we do not require collateral or security. Payment options are flexible and can be fixed, or match the cash flow cycles of your business. We will transfer a cash lump sum into your business’ bank account / nominated bank account in exchange for a percentage of your future turnover which will be paid to Retail Capital until the outstanding balance is settled.

As there is no security or collateral required, your assets are not tied up in funding your business. This also means that the application process is quick and easy. Your business can receive funds within 48 hours of submitting a complete application. Unsecured funding gives you peace of mind that your bad month will not result in the loss of any assets, so you can focus on running your business.

Retail Capital will give you a cash advance that you will pay back over a period that suits you. Payments are simply a small percentage of your turnover. Payment options are flexible and can be fixed or match the cash flow cycles of your business.

The use of funds is entirely unrestricted. No one knows your business better than you. That is why you have complete power over how you use the funds.

To assess how much funding you qualify for, you just need to apply for an obligation-free quote now.

Simply choose a payment plan that suits your business needs! Our funding solutions are tailored to each client. Payments can either be a fixed amount or an agreed percentage of your turnover. These can be paid daily, weekly, or monthly until the total is collected. As our payment solutions are designed around your business operations, you don’t need to worry about missing payment deadlines.

Every single registered business who has been trading over 3 months with ownership exceeding 6 months and a monthly card turnover of more than R30k and/or total turnover of more than 100k

Unlike typical loans, Retail Capital provides low-risk funding and we do not require collateral or security. Payment options are flexible and can be fixed, or match the cash flow cycles of your business. We will transfer a cash lump sum into your business’ bank account (nominated bank account) in exchange for a percentage of your future turnover which will be paid to Retail Capital until the outstanding balance is settled.

Simply choose a payment plan that suits your business needs! Our funding solutions are tailored to each client. Payments can either be a fixed amount or an agreed percentage of your turnover. These can be paid daily, weekly, or monthly until the outstanding amount is collected. As our payment solutions are designed around your business turnover, you don’t need to worry about missing payment deadlines.

Our online applications are simple and only take 2 minutes.

If approved, the funds will be accessible within 48 hours. Your bank may delay the funding process dependent on their payment approval times. The sooner you apply, the sooner you will have access to the funds your business needs..

Yes, you can pay your advance in full at any time. If you do choose to settle early certain early settlement discounts may apply and there are no early settlement fees.

1. Traditional bank loans require security in the way of assets to secure funding. Our funding model is structured to assess your turnover and does not require security for funding.
2. Traditional bank loans charge interest. Our funding model is not an interest-based product. We charge a once off, set fee (cost) based on the funding amount, selected repayment period and business profile.
3. Traditional banks take a fixed amount on bank loans as payment regardless of your business performance and turnover. Our payment process is linked to the performance of your business. You have the flexibility to decide if you want to pay a variable or fixed % linked to your fluctuating turnover.