---
title: "GoTyme for Business: Business Loans"
description: "Get up to R5m unsecured working capital in South Africa, plus interest-free Shari’ah Murabaha funding, payments tools and free founders’ community."
canonical_url: "https://liners.com/gotyme-for-business"
markdown_url: "https://liners.com/gotyme-for-business.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/retailcapital/screenshot.webp?v=1779192366986"
published_at: "2026-05-19T12:19:41.316Z"
updated_at: "2026-10-06T18:55:21.734Z"
---

# GoTyme for Business: Business Loans

Get up to R5m unsecured working capital in South Africa, plus interest-free Shari’ah Murabaha funding, payments tools and free founders’ community.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [GoTyme for Business](/gotyme-for-business)

## Summary

Fast working capital, Shari’ah finance, payments, and founder support

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

## Product details

| Field | Value |
| --- | --- |
| Website | https://gotyme.co.za/business |
| Tagline | Fast working capital, Shari’ah finance, payments, and founder support |
| Primary country | South Africa |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Community Platform](/tags/community-platform): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [South Africa](/countries/south-africa): Market

## Related pages

- [Alternatives](/gotyme-for-business/alternatives)
- [Reviews](/gotyme-for-business/reviews)
- [Transparency](/gotyme-for-business/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/gotyme-for-business)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)