Retail Capital

Since 2011, Retail Capital has been empowering South African entrepreneurs through fast and flexible funding solutions tailored specifically for small and medium-sized enterprises (SMEs). The company has disbursed over R1.25 billion in funding to more than 5000 local businesses, offering an alternative to slow and restrictive traditional bank loans.

As SMEs continue to drive more than 50% of South Africa’s GDP and contribute to over 65% of employment, Retail Capital’s mission is to bridge the funding gap and enable sustainable growth. Their funding model is built around matching repayments to turnover, making it more practical for growing businesses to access capital and manage repayments effectively.

Requirements

To qualify for business funding from Retail Capital, applicants must meet the following conditions:

• Be at least 18 years old
• Own a registered and active business in South Africa
• The business must be operational for at least 6 months
• Provide a valid South African ID or passport
• Have a business bank account in the applicant’s name
• Provide a mobile phone number
• Supply an active email address for communication and verification
• Be tax-compliant with a valid tax number
• Submit documentation confirming average monthly turnover (cash and card sales)

Pros and Cons of Retail Capital Business Loans

How to Get a Retail Capital Loan

Applying for a business loan with Retail Capital is simple and efficient:

1. Visit the Retail Capital website and complete the online application form
2. A business consultant will contact you to discuss your needs
3. Submit the required documentation for review
4. Once approved, sign the funding agreement
5. Receive your loan directly into your South African business bank account, typically within 48 hours

Can I Get a Retail Capital Loan with Bad Credit?

Yes, it is possible. Retail Capital assesses applications primarily based on business performance, especially your monthly cash and card turnover. A low personal credit score does not automatically disqualify you. If your business shows stable revenue over time and meets the basic criteria, you may still receive a funding offer.

How to Repay

Repayments are designed to suit the cash flow of your business. Instead of fixed monthly payments, repayments are tied to a percentage of your future turnover. This structure ensures that you repay more when your business is doing well, and less during slower periods.

All repayments are automated and collected at regular intervals (usually daily or weekly), based on your sales activity, making the process consistent and manageable.

Frequently Asked Questions (FAQ)

Is Retail Capital a licensed lender in South Africa?

Yes, Retail Capital is a registered financial provider offering legitimate business funding.

Can sole proprietors apply?

Yes, if the business is operational and has consistent turnover.

Are there industry restrictions?

No, businesses from various sectors including retail, hospitality, and health can apply.

Is collateral required?

No, Retail Capital offers unsecured loans, so no physical assets are needed.

How fast is the funding process?

Typically, funds are transferred within 24 to 48 hours of approval.

Can I repay early?

Yes, early repayment is allowed. Contact your Retail Capital consultant for details.