How business funding works

Get approved online for flexible business funding.

Working capital to grow your business with payments matching your business turnover. No interest. No hidden costs. No paperwork application.
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.

Get business funding online in 3 simple steps

Our data-driven integrations are engineered to give you a convenient application process and assess your potential, empowering you to reach it.

Get a free quote
Apply for your funding online
Get business funding
  • Get a free quote

    Check online if you qualify with a fast, obligation-free quote, in an easy, effortless way. There’s no commitment involved.

  • Apply for your funding online

    Apply in minutes. Create a profile, tell us about your business, link your banking account through TruID, or upload your banking statements to our secure Client Zone – and you’re done.

  • Get business funding

    Get funds in your account within hours. With transparent costs that are easy to understand, you know upfront what your payments will be.

Join 70 000+ businesses funded with more than R10 billion worth of funding in just over a decade with Retail Capital.
What you need to submit to get funded

Fast-track your application by linking your bank account through a safe and secure integration provided by TruID. Alternatively, you can upload PDFs of your recent bank statements through our secure portal.

Proof of ownership of the business for at least 6 months

Demonstrated monthly turnover of R50k or higher for 3 months or more

Your business is in good standing

To apply for business funding

We focus on getting your business funding approved. To meet the minimum requirements to apply for business funding you need to have:


R50 000 to R5 million monthly turnover

Turnover history

3 to 6 months continuous turnover (with bank statements)


Business ownership of 6+ months

*Final approval is subject to underwriting and credit checks.

What will I pay back? How will I pay it back?

Our transparent funding structure makes it easy for you to know exactly what your future payments will be.

Because the payment is a percentage of your turnover, the term will adjust accordingly (with no interest or extra cost). Your payment options include whether you want to pay daily or weekly, or if you want the payment fixed, or flexible (matching your turnover). Should you settle early, discounts may apply.

This is a win for you and your business. It takes away the risks and minimises your payment stress.

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.