GoTyme for Business

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.