What is GoTyme for Business and how does it work?

GoTyme for Business (Retail Capital) is a South African business finance platform that offers working capital funding, Shari’ah-compliant finance, payment tools, and a founder community. Businesses apply online, and funding decisions are based on their turnover and underwriting, with no collateral required for the working capital advance.

How much does GoTyme for Business cost?

GoTyme for Business (including the former Retail Capital funding service) has no monthly subscription cost, but it uses a fixed-fee funding model instead of interest, where you’re shown the total cost upfront before you accept any funding.

What countries does GoTyme for Business operate in?

GoTyme for Business serves South Africa.

How do I sign up for GoTyme for Business ?

You can sign up online through the GoTyme for Business website and complete the application in minutes. If you need help, you can also chat with a funding specialist.

Does GoTyme for Business have a mobile app?

Yes, GoTyme for Business is available via the 'Flex for Business' app on iOS and Android.

Who is GoTyme for Business best suited for?

GoTyme for Business is best suited for South African business owners and entrepreneurs, from side hustles to established SMEs.

How do I contact GoTyme for Business support?

You can contact GoTyme for Businessl by emailing service@gotyme.co.za or using the chat with a funding specialist on the website.

Does GoTyme for Business have a plan for teams or businesses?

Yes, GoTyme for Business has business-focused funding and support offerings for SMEs, but it does not appear to offer a separate team plan in the subscription sense. Its main business offerings are funding, payments, and community access.

GoTyme for Business

🇿🇦 South Africa

A South African business finance platform offering unsecured working capital advances, Shari’ah-compliant asset-backed funding, payment tools, and a free founder community.

Use it on:Web Android· 4.5 iOS· 4.9

Screenshot of GoTyme for Business website

Is GoTyme for Business right for you?

Best for

South African SMEs
Cashflow gaps
Shari’ah finance users
B2B payments
Founder community seekers

What it does well

Unsecured capital advances
Asset-backed funding
Shari’ah-compliant options
Business payment tools
Founder community access

Things to check

Advance size limits
Repayment terms
Shari’ah product rules
Payment tool coverage
Eligibility requirements

GoTyme for Business (Retail Capital) is a South African digital business finance and services platform for entrepreneurs and SMEs that combines working capital funding, payment solutions, and a founder community.

Key capabilities include:

Business Advance: Fast, unsecured funding of up to R5 million, with fixed or variable repayments designed to align with business cash flow and turnover (no collateral required, subject to underwriting and credit approval).
Shari’ah Advance: Interest-free, asset-backed finance certified as Shari’ah-compliant and structured on Murabaha principles.
Online application and tools: Apply for funding online in minutes, use a funding calculator to estimate scenarios, and access support via Chat with a Funding Specialist.
Flex for Business community: A free founder community and app offering mentorship, networking, events, resources, and financial literacy, connecting 50,000+ South African founders.

Available on Web (funding application and platform) and via the Flex for Business app on Android and iOS.

Designed for South African business owners, from side hustles to established SMEs, including sectors such as food and beverage, restaurants, liquor stores, hardware, ecommerce, medical, manufacturing, automotive, beauty salons, health and wellness, and hospitality.

Notable in South Africa’s SME ecosystem because it sits within GoTyme Bank, an authorised financial services provider (FSP 49140) and registered credit provider (NCRCP 10774), and pairs funding with payments and an active entrepreneur community under one brand.

As of Jun 29, 2026, GoTyme for Business is rated 4.9 on the App Store from 28 reviews and 4.5 on Google Play from 47 reviews with 10K+ installs.

Social Links:

Categories:

Fintech

Features & Business Model:

b2b lending saas