Retail Capital

Retail Capital is a dynamic funding provider that offers flexible and convenient online funding solutions for businesses.

With over 10 years of experience, they understand the challenges faced by small and medium-sized enterprises (SMEs) and have expanded their services to cater to the needs of larger businesses as well. As a proudly South African company, Retail Capital is dedicated to supporting local businesses that often struggle to secure traditional funding due to limited trading history or lack of collateral.

Building Partnerships, fueling success: Retail Capital's customer-centric approach to funding

Retail Capital's journey began in 2011 around a kitchen table, and since then, they have grown into a prominent player in the funding industry.

They believe in the potential of South African businesses and provide funding opportunities that traditional lenders often overlook. With a customer-centric approach, they aim to be partners in their clients' businesses, offering support and guidance throughout the funding process.

The leadership team at Retail Capital is committed to empowering South African businesses to thrive. Led by Karl Westvig, the co-founder and CEO, they have pioneered financial inclusion and funded over 50,000 businesses, totalling more than R7 billion.

Their expertise and experience allow them to create tailor-made funding solutions based on monthly turnover, ensuring a repayment structure that aligns with business performance.

Retail Capital's hub of insights, events, and education for business owners

Retail Capital's website serves as a knowledge centre, offering valuable articles, insights, and success stories to inspire and motivate business owners. They also host events and webinars to provide further education and engagement opportunities. Additionally, their glossary of business funding terms helps clients navigate the funding landscape with confidence.

Whether you need funding for growth, working capital, or other purposes, Retail Capital simplifies the process with its easy online application.

You can also consult with funding specialists or reach out via WhatsApp for expert assistance. Retail Capital's commitment to stability and guidance resonates with its clients, as evidenced by its high customer retention rate of over 70%.

Retail Capital stands out as a forward-thinking funding provider that prioritises the success of South African businesses.

Their flexible and technology-driven approach, combined with a deep understanding of their clients' needs, sets them apart in the industry. With a dedicated leadership team and a commitment to financial inclusion, Retail Capital is a trusted partner for businesses seeking funding to realise their visions.

Retail Capital understands the diverse needs of different industries and provides adaptable online solutions for business funding.

With a decade of experience, Retail Capital is dedicated to empowering businesses by offering the necessary funding to seize opportunities and drive growth.

Accelerate your business: Retail Capital's online platform for quick and convenient funding

The process of acquiring business funding from Retail Capital is straightforward and efficient. Through an online platform, business owners can conveniently manage their funding requirements, eliminating the hassle of extensive paperwork and long waiting times. The funding application consists of three simple steps: obtaining a free quote to assess eligibility, completing an online application by providing business information and linking banking accounts, and receiving approved funds in the business account within 48 hours.

Retail Capital's business funding is designed to be unsecured, ensuring that businesses can access funds without pledging collateral or assets. This approach provides peace of mind to business owners, as their assets remain untied. The funding options are also unrestricted, allowing businesses to utilise the funds for various purposes, including inventory purchases, equipment investments, store expansions, staffing, and marketing initiatives.

Flexible repayment options: Tailored funding solutions for your business

Aligning with your cash flow: Customised payment structures

Flexibility is a key advantage of Retail Capital's funding solutions. Payment structures are customised to align with the business's turnover and cash flow cycles, enabling businesses to repay the funding in a manner that suits their financial situation. Additionally, Retail Capital offers facilitated funding, providing personalised assistance throughout the application process to ensure businesses receive the necessary support.

Retail Capital prioritises efficiency, safety, and transparency

Data security is a top concern, and customer information is safeguarded through the secure Client Zone platform and trusted integrations. The funding model is based on a fixed fee rather than interest, and businesses have the flexibility to make daily, weekly, or monthly payments.

Do you qualify for business finance from Retail Capital?

To qualify for business funding from Retail Capital, businesses should have a minimum operational history of six months, demonstrate consistent turnover over a period of three months, and have a monthly turnover ranging from R50,000 to R5 million. Maintaining good standing and being prepared for growth opportunities are also important factors.

With a proven track record of funding over 50,000 South African businesses and providing more than R7 billion in the past decade, Retail Capital is committed to turning business owners' visions into reality. The funding application process is simple through their online platform, and knowledgeable consultants are available to provide guidance along the way. By offering secure, flexible, and unsecured funding options, Retail Capital empowers businesses to unlock their potential and achieve their aspirations.