Access to business funding

Whether you want to grow your business, take advantage of an opportunity, or simply need cash flow support through a difficult trading period, we can provide the financial help that you need.

Do you qualify?

  • Are you a business owner?
  • Do you have 6 months history of turnover? 
  • Is your average card turn over more than R30 000?

Your business benefits

  • Access funding in less than 5 days 
  • No security or collateral required
  • Payments are linked to your turnover to match the cash flow cycles and ensure affordability
  • Use the money in any way that benefits your business, no restrictions on the use of funds

How does it work?

Retail Capital will advance a cash lump sum based on the business’s expected future sales, so the business effectively funds it’s own growth. We then simply take a fixed percentage of al future card transactions until the agreed repayment value is reached.

Who is Retail Capital?

  • Access to business funding is brought to you by Retail Capital.

Frequently Asked Questions

Retail Capital will transfer a lump sum of cash into the merchant’s business bank account in exchange for a percentage of their future credit card sales, which will be paid to Retail Capital daily until the total agreed amount is paid back. Since the amount to repay is made based on credit card sales, payments match cash flow cycles.
The application process is quick, easy and simple, and merchants can receive funds within 5 days of submitting an application. There is no security needed, so assets are not tied up in funding the business. Also, the cash advance gives flexibility in managing cash flow as the advance is only paid back through credit card transactions. Since the payments are directly tied to the business’s sales, there is no need for merchants to worry about making payments or missing deadlines.
There are no restrictions on how the money is spent. A business owner can fund a variety of business purposes including working capital, stocking up for a busy period, advertising, remodelling, expansion or paying taxes.
The amount of funding you receive is primarily determined based upon your monthly credit card sales.
Merchant cash advances are offered to businesses in a variety of different industries that accept credit or debit card payments. Typically, customers who choose a cash advance are small and medium-sized business owners that have been in business for at least 6 months.
Business owners who do not have a perfect credit rating or collateral to offer are still able to be approved and receive funding. Because cash advances are dependent on future credit card sales, personal credit history is not considered as much as when applying for a small business loans from banks.
Online (either on the EFTPOS or ZipZap website) or by emailing their name and contact details to or

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