NPS Score
-100
Recommended: Unlikely
Nov '25 - Oct '26
Frequently Asked Questions About Retail Capital
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Hellopeter has tracked Retail Capital across 46 reviews. Retail Capital hasn't collected enough recent reviews — at least 10 in the last 12 months are needed — to calculate a TrustIndex score. Have you used Retail Capital? Write a review to help others decide.
Recent reviews (2)
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Share Your Experience1 reviews | Active since Jun 2009
Yoco Cash Advance Harassment from Retail Capital/TymeBank
I am writing to express my concern regarding the handling of my Yoco Cash Advance account (Provider: Retail Capital / TymeBank). I accepted a cash advance of R34,000 with a total repayable amount of R44,300. Repayment is structured as 23% of daily card sales deducted automatically via my Yoco machine. The contract reflects an estimated repayment period of 9 months, while the Yoco app currently reflects an estimated period of 7–11 months. In both instances, the term is clearly indicated as estimated, not a fixed-term contract with set monthly instalments. There is no fixed monthly instalment stipulated in the agreement. Repayments are automatically deducted from daily sales, and these deductions have been taking place as agreed. However, barely one month into the advance, I have begun receiving collection-style communication stating that my account is “behind” by R6,973.78 and that a “monthly payment” of R4,911.11 is expected in order to meet the estimated term. This is confusing and concerning for the following reasons: • The agreement is based on a percentage of sales — not fixed monthly instalments. • The repayment term is clearly stated as estimated, not fixed. • Deductions are occurring automatically in accordance with the agreed structure. • January is traditionally a slower trading month for many South African small businesses. The product is marketed as a flexible cash advance designed to support small businesses. The current collection pressure does not align with that positioning and creates unnecessary stress for compliant merchants who are repaying through the agreed mechanism. I am requesting: Written clarification of where a fixed monthly instalment is contractually stipulated. A detailed explanation of how the “behind” amount is being calculated under a percentage-of-sales repayment model. Why am I being harassed??
1 reviews | Active since Jun 2009
Yoco Cash Advance Harassment from Retail Capital/TymeBank
I am writing to express my concern regarding the handling of my Yoco Cash Advance account (Provider: Retail Capital / TymeBank). I accepted a cash advance of R34,000 with a total repayable amount of R44,300. Repayment is structured as 23% of daily card sales deducted automatically via my Yoco machine. The contract reflects an estimated repayment period of 9 months, while the Yoco app currently reflects an estimated period of 7–11 months. In both instances, the term is clearly indicated as estimated, not a fixed-term contract with set monthly instalments. There is no fixed monthly instalment stipulated in the agreement. Repayments are automatically deducted from daily sales, and these deductions have been taking place as agreed. However, barely one month into the advance, I have begun receiving collection-style communication stating that my account is “behind” by R6,973.78 and that a “monthly payment” of R4,911.11 is expected in order to meet the estimated term. This is confusing and concerning for the following reasons: • The agreement is based on a percentage of sales — not fixed monthly instalments. • The repayment term is clearly stated as estimated, not fixed. • Deductions are occurring automatically in accordance with the agreed structure. • January is traditionally a slower trading month for many South African small businesses. The product is marketed as a flexible cash advance designed to support small businesses. The current collection pressure does not align with that positioning and creates unnecessary stress for compliant merchants who are repaying through the agreed mechanism. I am requesting: Written clarification of where a fixed monthly instalment is contractually stipulated. A detailed explanation of how the “behind” amount is being calculated under a percentage-of-sales repayment model. Why am I being harassed??
1 reviews | Active since Jun 2011
HARASSING FALSE CLAIMS
I took out a cash advance on 29 September, since the 16 October - 2 weeks into said contract - I have been receiving harassing and factually incorrect emails stating that there have been no transactions on my account. I have responded and lodged complaints directly and in spite of no less than 2 people advising me that it is a systems error on 5 November and acknowledging that there has been almost daily movement on this account, yet again I receive a factually incorrect email on 9 November stating there have been no transactions. Am I to be subject to this harassment EVERY week for the next 11 months?
1 reviews | Active since Jun 2011
HARASSING FALSE CLAIMS
I took out a cash advance on 29 September, since the 16 October - 2 weeks into said contract - I have been receiving harassing and factually incorrect emails stating that there have been no transactions on my account. I have responded and lodged complaints directly and in spite of no less than 2 people advising me that it is a systems error on 5 November and acknowledging that there has been almost daily movement on this account, yet again I receive a factually incorrect email on 9 November stating there have been no transactions. Am I to be subject to this harassment EVERY week for the next 11 months?