Rating based on 62 reviews

Retail Capital


  • Flexible Business Funding
  • 80% approval rate
  • Grow your business

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Retail Capital homepage

Author Retail Capital. Screenshot of Retail Capital website. [Accessed August 31, 2021]

About Retail Capital

Since 2011, we have provided businesses with innovative, flexible and convenient alternatives to traditional business loans.

Business owners still identify access to working capital as the single biggest challenge that they are faced with.

We’ve helped South African businesses achieve their goals

With an 80% approval rate - working capital is easy to obtain. As business owners ourselves, we understand the difficulties of running a business. Most businesses will experience a cash flow challenge at some point in the next 12 months, causing us to miss out on an opportunity or adding pressure to our business. Retail Capital can provide instant access to funding to ensure you reach your full potential.

Retail Capital Services

We partner with our customers, linking payments to business turnover so that they match the cash flow cycles of the business to ensure affordability.

Whether you want to grow your business, take advantage of an opportunity, upgrade or fix equipment, or simply need cash flow support through a difficult trading period, we can provide the financial help that you need.

Unsecured loans for businesses

If you are a business owner and your business has been operating for more than 6 months, we would like to fund your growth. Your funding is determined by your average cash and card turnover per month. Being responsible for 50% of the country’s GDP and contributing to over 65% of employment, we are devoted to partnering with small to medium-sized businesses to grow the South African economy. This is where we can help and we are proud to have partnered with more than 5000 SME’s in providing funding of more than R1.25 billion to date.

Retail Capital – Business loan

  • Loan Type Business loans

Benefits of Retail Capital

  • Quick funding
  • Flexible repayment options
  • Fast approval rate

Business loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Retail Capital is the top choice for business loans

If you are a franchise business owner, have been operating for more than 6 months and you belong to a franchise group, we would like to fund your growth.

How much funding do I qualify for?

Each business is different, and the advance is tailored to suit your business. The amount of funding you receive is determined based on your monthly turnover and therefore our business consultants will assist you in your application to ensure you qualify for the maximum amount.

How does the repayment work?

Repayments are based on an agreed percentage of your turnover. This percentage is paid over daily or weekly until the entire amount due is collected. This saves you from worrying about making payments and missing deadlines, so you can focus on running your business.

Transparent and responsible lending

Retail Capital is not only the members, but founders of SASFA (South African SME Finance Association). The Association was launched given the rapid growth of the SME Funding Marketplace in South Africa. This has led to a need to create a self-regulating industry body and industry standards to ensure SME customers are fairly treated and the reputation and sustainability of the unregulated SME Finance Sector is maintained. Ensuring that small businesses have access to funding and working capital is one of South Africa’s top priorities. The micro-lending space, where much of this funding has taken place, has been fraught with problems. But a new and fast growing industry made up of merchant cash advance companies and SME finance companies are determined to do things differently.

The South African SME Finance Association (SASFA) has been established to encourage transparent and responsible lending in the unregulated SME Finance Sector and has published a code of conduct on its roles and responsibilities in order to protect its customers, and ensure the industry does not fall into the same traps as micro-lenders.

Get in touch now to grow your business.

Customer Reviews & Testimonials

June 2019

This company has really got your back like they have had ours for many years and we are very grateful for always allowing us to call you up whenever we need to.

Liske S
— Port Shepstone —

May 2019

Best service and they are super fast with your response.

Keisha P
— Cape Town —

June 2019

They have helped me with many queries and have always given me the best advice and also they have allowed me to get the small loans that I need for all the changes my company has gone through.

Joshua C
— Port Elizabeth —

June 2019

The service at this company is like no other they take the time to reassure you that you are making the right decision.

Nadia S
— Cape Town —

Retail Capital Contact

Physical Address

  • 4th Floor, The Palms, 145 Sir Lowry Rd, Woodstock Cape Town Western Cape 7915 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed