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Unrestricted funding for you and your business

Flexible, online funding for whatever your business needs.

Business funding in
3 simple steps

What business funding is:

Doing business is all about seizing opportunities, being bold, and going for it. As a business owner, you want to take full advantage of opportunities when you see them. But often, you’re so wrapped up in running your business that you only spot those once-in-a-lifetime opportunities once they’ve passed. Or, when you do spot them, sometimes you don’t have the funds to take immediate action.

You need funding upfront; you need it within hours. Funding for your business is one of the most important financial choices you’ll make. As a business owner, you know this.

But when seeking business funding, you don’t want to risk your assets, right? And you want to use the funding as you need it. You want to be able to pay it back in a way that matches your business turnover. You want a funding solution that is on your terms, that you can control. You want options. You want business funding that is unsecured, unrestricted, flexible and safe – with the support of our expertise.

Retail Capital business funding opens your eyes to possibilities, and empowers you to seize them.

Business funding from Retail Capital is for you if:

You have owned the business for at least 6 months

You have continuous turnover for over 3 months

You have a monthly turnover of R50 000 to R5 million

Your business is in good standing

You’re ready for your next growth opportunity

Why business funding from
Retail Capital?

Safe funding

Whether on our Client Zone platform or through trusted integrations, we’re keeping your data safe, one transaction at a time.

Unrestricted funding

Funding your business needs. Unlock any opportunity with your funding, when you need it – it’s up to you.

Efficient funding process

With a successful application, the money can be in your account within 48 hours. You don’t need to go through endless paperwork.

Unsecured funding

No security or collateral required. You don’t need to back your funding with collateral, the risk is that low!

Flexible funding

Your payment structures are linked to your business turnover and cash flow cycles. No risk, no fine print. Early settlement discounts apply.

Facilitated funding

Speak with one of our consultants for an application experience that is seamless and convenient. We’ll assist your application to make sure you have everything you need to get funded.

What business funding is not:

The days of waiting until your business is at least a year and a half old to apply for a loan is over. Those were the days that you’d have to go to the bank, fill out piles of paperwork, put down your property as collateral for a loan, demonstrate that you’d use the money only for what you need right now, wait weeks for possible approval, and then have to pay it back over a specific period.

We understand that you need fast, safe, unsecured, unrestricted funding that’s completely in your control.

There are many reasons you may need business funding

For purchasing stock

For purchasing machinery

Opening a new store

Hiring new staff

To increase your marketing activity

Growth capital

Join our Client Zone for a digital funding experience
Frequently Asked Questions
  • Do you fund startups?

    We fund business that have been operating for at least six months and meet our turnover criteria

  • What is unsecured funding?

    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.

  • What are the advantages of unsecured funding?

    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.

  • What is a cash advance?

    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.

  • How can I use the funding?

    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.

  • How much funding do I qualify for?

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

  • How do payments work?

    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.

  • Who qualifies for funding?

    Businesses that have a minimum business ownership of 6 months, minimum 3 months trading history and a turnover higher than R50k pm

  • Does my credit score matter?

    Your credit score is an important part of our application process along with other criteria such as ownership, history and turnover.

  • How do I apply for funding?

    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.

  • How long does a funding application take?

    Our online applications are simple and only take 2 minutes.

  • When will I have access to the funds?

    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.

  • Can I pay back the advance early?

    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.

  • How does your product differ from a bank loan?

    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.
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.