Retail Capital is a South African funder that provides working capital advances to small and medium businesses, with a repayment model that flexes to your turnover. Instead of a fixed monthly instalment, you repay a share of your takings, so repayments rise and fall with how your business is actually doing.
Who it suits
This suits a business with regular card or bank turnover, such as a retailer, restaurant or service business, that wants funding whose repayments breathe with its sales rather than a rigid amount due every month.
What you get
- A working capital advance based on your turnover history.
- Repayments that flex with your daily or monthly takings.
- A fast application aimed at businesses banks often turn away.
- Funding without giving up equity in your business.
How the cost works
The cost is quoted upfront as a fixed cost of capital rather than a moving interest rate, so you know the total before you accept. The amount you qualify for is based on your turnover.
Our take
Retail Capital’s turnover-linked repayment is genuinely useful for a business with uneven months, because it eases the pressure when trade is slow. If your income swings with the season, it is worth a look. Compare it against fixed working capital loans and the wider funding range to see which repayment style suits you.
Related: Working capital loans · Cash flow · All funding options