Retail Business Funding

At Shariah Capital, we offer swift and flexible Shariah-compliant Retail Business Funding tailored for established retail businesses aiming to embark on their next phase of growth. Our repayment options are designed to align with your business’s cash flow, ensuring ease and convenience.

What is Shariah-Compliant Retail Business Funding ?

Shariah-Compliant Retail Business Funding provides the essential growth capital for your store without requiring collateral.

Unlike conventional loans, this financing is structured to align with your business’s cash flow, allowing you to invest in inventory, upgrade your premises, or expand your locations—without excessive paperwork or collateral—while staying true to Islamic financial principles.

How It Works:

1. Apply Online

Complete our straightforward online application and provide the following documents:

CIPC Registration Number
ID Copy of Director/s
12-Month Bank Statements
Two Supplier Statements
Rental Agreement or Utility Bill

You must be a South African citizen or have a guarantor.

Your retail business should be registered, have been trading for at least 12 months, and have a monthly turnover of R50,000 or more.

2. Receive Your Tailored Offer

We will assess your application and provide a financing solution that meets your business needs with manageable repayment terms.

A predetermined percentage of your card transactions. Daily or weekly debit orders. Our team will recommend the repayment method that best suits your business model.

3. Access Your Funds

Upon approval, the funds will be deposited directly into your account within 24 hours, enabling you to promptly seize growth opportunities.

Why Choose Us?

Fueling Your Business Growth

Gain the financial resources needed to expand operations, launch new projects, or scale your business.

Staying Financially Agile

Access the capital required to seize opportunities and navigate challenges without compromising your cash flow.

Building a Sustainable Future:

Invest in long-term strategies that ensure your business remains competitive and aligned with ethical practices.

DO I QUALIFY

If your business meets the following criteria, you’re good to go:

CIPC registration

In operation for 12 months

Monthly turnover of R50k or more

A business bank account with 12 months or more trading history

FAQ: Understanding Shariah-Compliant Retail Business Financing?

What is Shari'ah-Compliant Retail Business Funding?

Shari’ah-compliant finance is grounded in Islamic principles, avoiding interest and ensuring all transactions are conducted ethically.

How Do I Apply for Shariah-Compliant Retail Business Funding?

You can apply online and provide the following documents:

CIPC Registration Number
ID Copy of Director/s
12-Month Bank Statements
Two Supplier Statements
Rental Agreement or Utility Bill

How Much Do I Qualify For?

You may qualify for up to 100% of your business’s average monthly credit and debit card turnover. Having this figure at hand can help you better understand what to expect. Once we have reviewed your statements, we will contact you with a more precise qualification amount.

How Much Does the Financing Cost?

At Shariah Capital, we are committed to providing ethical, tailored funding solutions that align with your business needs. We do not follow a one-size-fits-all pricing model; instead, we ensure that our approach is Shariah-compliant and customised for you. Contact us today, and let’s structure a funding solution that works in harmony with your values and business goals.

How Long Does the Application Process Take?

The assessment of your application typically takes 24 to 48 hours. Once approved, funds are deposited within 24 hours.

Do You Run Credit Checks or Contact References?

As we provide unsecured funding, we conduct credit checks and may contact references. A perfect credit record is not required to qualify.

What Can I Use the Funding For?

At Shariah Capital, we recognise that you have built your business with dedication and expertise. No one understands its intricacies better than you, which is why we do not dictate how you should use your funds. However, with our experience in providing Shariah-compliant funding to businesses across South Africa, we understand what drives sustainable growth. We highly recommend that your cash injection be used for ethical business expansion, ensuring long-term success while staying true to your values.

How Do I Repay the Funding?

Repayments are aligned with your cash flow. Shari’ah law prohibits interest (riba), excessive uncertainty (gharar), and speculative activities (maysir) in financial dealings.

How Soon Can I Qualify for Additional Funding?

Once 70% of your facility has been repaid, you qualify for additional funding. We will require a few updated statements to process the additional funds.

Get Funded
Within
48 hours

For Further Enquiries: