GoTyme Business Advance (formerly Retail Capital)
GoTyme Business Advance (formerly Retail Capital) is a loan from Retail Capital offering up to R 5 000 000 for growth, established businesses across South Africa. Applications are accepted on a rolling basis.
Overview
Unsecured business cash advance of up to R5 million from GoTyme Bank (formerly Retail Capital, acquired by TymeBank). You need monthly turnover of R50,000 or more, at least 6 months as the business owner and at least 3 months of trading history; no collateral is required. Apply online and funds can land as soon as the same day after approval, repaid through fixed instalments or a percentage of your daily turnover, with no penalty for early settlement.
Programme details last verified on 11 June 2026.
Full Description
Revenue-based funding using your card machine sales data. Quick approval, no collateral required. Repay as a percentage of daily sales.
Eligibility Criteria
Frequently Asked Questions
How much funding does GoTyme Business Advance (formerly Retail Capital) offer?
GoTyme Business Advance (formerly Retail Capital) offers up to R 5 000 000 per applicant.
Who qualifies for GoTyme Business Advance (formerly Retail Capital)?
GoTyme Business Advance (formerly Retail Capital) targets growth, established businesses across South Africa. Applicants need a minimum annual turnover of R 600 000.
When is the deadline for GoTyme Business Advance (formerly Retail Capital)?
Applications are accepted on a rolling basis.
How do I apply for GoTyme Business Advance (formerly Retail Capital)?
Check your eligibility with the free readiness check on Okhantu, prepare the required documents, then apply on the provider's website.
Prepare Your Application
Increase your chances of success with these preparation resources.
Provider Guide
Learn about Retail Capital's application process
Document Checklist
Requirements and deadlines
Download Templates
Business plan, cash flow, projections
Legal Framework
Relevant legislation and compliance
Compliance Check
Verify your CIPC, SARS, B-BBEE status
Get Expert Help
Find a funding specialist