Rating based on 7 reviews

Retail Capital


  • Flexible loan options
  • Fast loan payouts
  • 80% approval rate

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Retail Capital homepage

Author Retail Capital. Screenshot of Retail Capital website. [Accessed February 27, 2020]

About Retail Capital

For the best possible outcome and investments, partner with us at Retail Capital.

We are all about believing in your vision and helping you roll with the punches. With the innovation that is envied, you are sure to get everything you bargained for and more.

Who are we and why choose us?

Retail Capital is all about smaller businesses. We want to partner with you to give you access to innovative funding solutions, where payment options are flexible and are determined by your business performance.

Because small businesses still consider working capital as the most challenging part of starting a company, we here at Retail Capital provide businesses with flexible, and convenient alternatives to your usual business funding.

Going above and beyond

At Retail Capital, our goal is to partner with you to achieve your vision and assist you in growing your business. So if it is that you want to grow your business or maybe invest in your business assets, we at Retail Capital provide flexible, secured and unsecured funding. Since 2011 we have been invested in growing the small business sector and thus far we have already partnered with over 22,000 SMEs in providing funding for them in the amount of R3bn to date.

What Retail Capital can offer you

Finding innovative ways to extend your business can be a tough road to walk, especially alone. With Retail Capital, you don’t have to.

At Retail Capital, the services that we provide you outweigh the rest and we have a broad team of experts ready and waiting to help you succeed.

Business funding 

Retail Capital is all about finding innovative ways to fund a business and we do it through finding flexible and convenient funding solutions.

Requirements for funding

You get access to business funding against the total monthly turn over.

  • A total turnover of more than R100 000
  • Trading for more than 12 months

Our funding is unrestricted, so you can invest in your business where it is most needed. If you need to buy stock or looking to renovate. We are interested in partnering with you to see you grow.

Retail Capital Business loans

  • Loan Type Business loans

Benefits of Retail Capital

  • Flexible repayment options
  • 80% approval rate
  • Innovative business funding

Business loans calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Grow your business with funding from Retail Capital

At Retail Capital, we have an 80% approval rate. More than 70% of our clients come back for more funding.

There are 3 or more average repeat advances per entrepreneur and 24 hours for funds to make available once you are a client.

Asset Finance

We at Retail Capital asset finance help both business owners and suppliers grow their businesses by finding for them flexible asset finance solutions to suit their cash flow.

What is provided?

  • The easy and simple application process
  • We offer a personalised service
  • As well as secure lending
  • And fast turn around times.

Retail Capitals service

We are always looking for great service and looking for businesses that will provide that for us. Retail Capital has done that through asset finance. We are here to make sure that you get the financing you need in order for your business to grow.

What are the basic criteria?

Whether you have a private practice or a business that has been trading for more than a year or more, we offer you tailor made asset finance solutions.

More than 500 professionals and businesses across South Africa have been provided with asset finance solutions as well as partnering with reputable suppliers.

  • Your business must be trading for a year or more.
  • Up to 60 months of medium-term financing.
  • And if you are starting out in the medical profession you are eligible for financing.

Let’s talk benefits

Because of our asset finance solutions, we are able to open many different avenues for your business. Which includes improving your cash flow and opening up important credit lines.

  • The tax benefits will let you claim the interest or the depreciation allowances or the rental expense over the term of the agreement
  • If you are registered for VAT you can claim it upfront or over the term of the agreement
  • From 12 to 60 months medium or long term financing

We are in partnership with reputable suppliers and industry leaders. Thus providing professional and personalised service to the uniqueness of your business.

Rolling with the punches

Any challenge that we face or come across, teach us valuable life lessons. Either we are stronger than we thought or every so often we need a helping hand. Retail Capital wants to be that helping hand for you. We want to make life’s challenges a little less tough by making the application process as easy as possible.

All you have to do is apply online and it takes less than 5 minutes to fill out the form. Decide if you are applying for business funding or asset financing. We will be in contact with you via email or through telephone. Here is to starting great partnerships together.

Customer Reviews & Testimonials

July 2019

Retail Capital financed my business and helped me reach different avenues of funding. I was able to extend my building and since then my cash flow has been great

Mpaliso Q
— Pretoria —

March 2019

Retail Capital has made owning a business so much easier. Their level of professionalism is unrivalled. Great having them as partners

Michael O
— Middelburg —

Retail Capital Contact Details

Physical Address

  • 4th Floor, The Palms, 145 Sir Lowry Rd Woodstock Cape Town, 7915 7915 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed