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 December 12, 2022]

About Retail Capital

Retail Capital has the power to open up a world of possibilities with their business loan options.

They say that no great story happens over a salad. However, in 2011 that proved to be far from true. Sitting at a kitchen table and having only a white napkin to write on, Retail Capital went from an idea to writing and progressed to what it is today. Retail Capital believes in providing business loans to people who believe in themselves.

Retail Capital believes in small business

Retail Capital works hard at improving small businesses in South Africa - every day and in every way. Being proudly South African and understanding the role that small business plays in the economy, they are constantly finding new ways to help.

Giving business loans to entrepreneurs creates jobs within the communities, which improves the South African economic landscape. This is not just something Retail Capital understands but also believes in.

More than just a business loan

As businesses are the core of the economy. Financing medium-sized businesses that show faster economic growth makes sense. Retail Capital goes further. They don’t only offer business loans but facilitate businesses to succeed. They believe in equipping people with the necessary skills to grow their businesses successfully.

Guidance for business owners

Only a business owner will know and understand the daily challenges that come with owning a business. You will be pleased to know that the founders of Retail Capital are business owners themselves.

They have a clear goal in mind and that is to provide business loans as well as stability and guidance to business owners to ensure further chances of success.

Retail Capital Services

With 10 years in the business of providing Small Business Enterprises with business loans and asset finance, you can be sure that you are in great hands.

They have the resources, services, and tools to help you get started as well as helping you prosper in future business endeavours.

Why get a business loan from Retail Capital?

Retail Capital believes in keeping your information safe. They also understand that when you are only just starting with your business, you will have no form of collateral. For this reason, Retail Capital offers unsecured business loans. By not restricting you they can, when approved, fund all your business needs

Business loans for business growth

Their knowledge of the business loan industry is what sets them apart! They understand business loans may be needed for various business purposes. That’s why Retail Capital will ultimately offer your business loans for business growth.

May it be growing your existing business or giving equipment that much-needed attention with a service or an upgrade. Sometimes things are just not going as planned and cash flow is a problem. Whatever your reason is, Retail Capital can help.

Trade credit — Retail Capital has you covered

Trade Credit is a loan that is extended by one trader to another when goods or services are bought on credit. Trade Credit enables you to purchase supplies without immediate payment. By offering their customers Trade Credit they help lessen the pressure on cash flow so you can make your available money work elsewhere.

Retail Capital – Business loan

  • Loan Type Business loans
  • Decision 48 hours

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

Retail Capital is the top choice for business loans

On the Retail Capital website, you can apply for your business loan by clicking on the apply now button.

You will be asked to set up a profile from which you will be able to complete the business loan application securely.

Here are the requirements for a business loan from Retail Capital:

  • You need to show a turnover of R50 000 or more a month.
  • You will need to supply a 3 months' bank statement.
  • You need to be the owner of your business for 6 months or more.
  • You need to be subject to a credit check.

The quick and easy application process

Step one: The business loan application is straightforward with the first section requesting your details. The second section will be your estimate according to what you want to borrow and how much you can repay.

Step two: Next they will request information regarding your business. Make sure you complete every section. Your financial information like income and expenses will be next on the application. You are now almost done with the application form. Have all your supporting documents on hand as you will be asked to upload them shortly.

Step three: The last order of business regarding the business loan application is for you to sign the consent forms. Once all the formalities have been dealt with you can click on accept and expect your business loan in your account within 48 hours.

We all need a little help from time to time whether it is for starting up a business, improving cash flow, or expanding your existing operations. Getting a business loan can sometimes be difficult. Make use of Retail Capital and see how they can assist you in expanding your business.

Find out how much you qualify for before you apply

By making use of the Retail Capitals quick funding calculator you will be able to determine your borrowing power before you apply for your business loan in South Africa. Based on the information you supply, they will be able to either give you a quote or you can apply immediately.

What are the benefits of a business loan from Retail Capital?

  • Retail Capital offers quick business loans.
  • They offer flexible repayment options on their business loans.
  • Retail Capital's business loans are typically paid out within 48 hours.
man holding thumbs up

Retail Capital is a trusted & reliable provider of business loans

In our review, Retail Capital adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Retail Capital is a registered credit provider in South Africa: NCRCP 10774

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

Contact Number


  • not available


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