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 most applications to large banks, business owners who do not have a perfect credit rating or collateral to offer are still able to get approved and receive funding from Retail Capital. As our funding is based on affordability and dependent on future turnover, personal credit history is considered, but it is not the only consideration.

Simply click Apply in the top right corner to begin the application process. We’re here to serve you! If you would like help from a customer services agent, just call 0861 17 17 17

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.