What is Retail Capital and how does it work?

Retail Capital is a South African fintech company that provides flexible funding to small and medium enterprises (SMEs) through merchant cash advances and asset finance, based on business turnover rather than fixed fees or collateral. Businesses apply online, link their bank account or provide statements to prove monthly turnover between R50,000 and R10 million and at least 6 months of ownership, then receive unsecured funds within hours to days for any business need, with repayments tied to monthly turnover.

What countries does Retail Capital operate in?

Retail Capital operates in South Africa.

How do I sign up for Retail Capital?

Apply online through their website with proof of healthy monthly turnover (R50,000 to R10 million), three months' bank statements via TruID or PDF, and proof of business ownership for at least 6 months. Consultants assist if needed during the quick process, and funds arrive in your account within hours if approved.

Who is Retail Capital best suited for?

Retail Capital is best suited for South African SMEs with monthly turnover between R50,000 and R10 million that have been operating for at least 6 months and need quick, flexible, unsecured funding without collateral.

How do I contact Retail Capital support?

Call +27 861 171 717, email info@retailcapital.co.za, or consult with their team during the online application process.

Does Retail Capital have a plan for teams or businesses?

Yes, Retail Capital provides funding to small and medium businesses, including larger ones, with over 90,000 South African businesses funded since 2011.

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Retail Capital: Funding, Reviews & Alternatives (2026) – Liners

Retail Capital

🇿🇦 South Africa

An online SME funding platform in South Africa offering unsecured business funding and merchant cash advances with quick applications, flexible repayments, and fast payouts.

Available on:Web

Visit Retail Capital

Retail Capital is a South African fintech platform that provides unsecured business funding to small and medium enterprises (SMEs) that need working capital or a merchant cash advance.

Key capabilities include:

Online application and fast payout: Businesses can get an obligation free quote, apply in minutes, and receive funds within hours after approval.
Turnover-based assessment: Applicants can link a bank account via TruID or upload three months of bank statements through a secure client portal for underwriting and credit approval.
Flexible repayments: Repayment can be flexible or fixed, and the provider states there are no early settlement penalties.
Funding options and guidance: Includes an online funding calculator, industry-specific funding pages, and options; support is available via , phone, and funding specialists.