GoTyme for Business has rebranded Retail Capital, bringing SME funding, Shari’ah-compliant advances, and the Flex founder community under GoTyme Group.
GoTyme for Business has rebranded Retail Capital in South Africa. The new name positions the business offering as part of the wider GoTyme Group, which includes GoTyme Bank.
The company is marketing a fuller SME package that combines funding, payment tools, and founder support. For many entrepreneurs, this matters because it puts lending and day-to-day money tools in the same place.
On the funding side, GoTyme for Business is pushing its “Business Advance”, an unsecured funding product up to R5 million. Unsecured means the business does not need to pledge collateral (like property) to qualify, and approval is positioned as fast and online.
It is also offering a Shari’ah advance, described as interest-free and asset-backed. Asset-backed means the financing is tied to the purchase and resale of an underlying asset, rather than charging interest, and it is structured on Murabaha principles (a common Islamic finance structure).
The brand also highlights Flex for Business, a free community app for entrepreneurs, with claims of over 50,000 South African founders. It focuses on mentorship, networking, events, and financial literacy.
This rebrand is another signal that South African digital banks are moving deeper into SME banking and credit. Funding products linked to turnover can be easier for small businesses than traditional loans, but they can still be expensive or restrictive depending on fees and repayment terms.
For founders, the practical question is whether the new GoTyme for Business bundle improves access to capital, reduces friction in repayments, and connects smoothly to payments and operating tools.
Source attribution: GoTyme Bank via Retail Capital website.
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