Retail Capital is the first and largest Merchant Cash Advance provider in the South African SME market.

In South Africa, small and medium-sized enterprises (SME) make up almost 90% of businesses, provide approximately 60% of local employment and contribute more than 34% of GDP. However, access to funding remains one of the highest impediments to SME growth.

Retail Capital addresses this challenge by leading with technology and working alongside SME clients. It bases advance repayments on the monthly turnover of SME clients and a set repayment percentage. Retail Capital charges a fixed fee over the duration of the advance, with no upfront costs, hidden fees or collateral required. This is what sets Retail Capital apart from the traditional banks and other competitors who require assets to be pledged as security.