We can help your
hospitality business grow.

Get approved online for flexible business funding.

Working capital to grow your hospitality business with payments matching your business turnover. No interest. No hidden costs. No paperwork application.
Africanize - Retail Capital
Meeting hospitality business’
cash flow needs

The COVID-19 pandemic has brought unprecedented challenges to the hospitality industry, with many businesses facing financial difficulties as a result of the restrictions and closures. As the world starts to adapt to the new normal, it is more important than ever to provide support for the recovery and growth of the hospitality sector. That’s why we are proud to offer flexible business funding for the hospitality industry, designed to help businesses navigate the challenges they face and to emerge stronger than ever.

Whether you require funding for renovations, equipment purchases, or staffing needs, we have the resources to assist you. Whatever your circumstances, Retail Capital is here to assist you with flexible, online funding for whatever your business needs.

There are many reasons you may need business funding

Hiring new staff

Purchase new equipment (e.g. refrigeration equipment) machinery or vehicles

Opening a new restaurant

A refurbishment of your premises

Growth capital

Join 50 000+ businesses funded with more than R7 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.