Supercharge your hardware store’s growth with flexible working capital designed to meet the unique needs of your industry. Whether you specialise in tools, construction materials, plumbing supplies or home improvement products, our funding solutions are built to support your growth.
With financing tailored to your store’s turnover, you’ll benefit from hassle-free payments, no hidden fees and a simple, paperwork-free application process. Empower your business to restock, expand your inventory and thrive with the capital you need, exactly when you need it.
Bulk-buy high-demand items like cement, timber, paint and tools before busy construction months to maximise sales and avoid running out of stock.
Invest in heavy-duty shelving, pallet racking and better storage solutions to improve organisation, display products effectively and speed up customer service.
Install advanced CCTV, alarm systems and secure tool cages to protect expensive power tools and building materials from theft.
Promote seasonal specials or new product lines through local radio, flyers and social media to attract contractors, DIY enthusiasts and bulk buyers.
Implement an online store, modern POS systems and smart inventory tools to boost efficiency, accuracy and customer convenience.
Refresh your shopfront, lighting and aisle design to make navigation easier, create a better shopping experience and encourage higher spending.
R50 000 + monthly turnover
3 to 6 months continuous turnover
(with bank statements)
Business ownership of 6+ months
To qualify for a GoTyme Business Advance, your store needs a monthly turnover of at least R50,000 and a trading history of 6+ months.
Yes. Many hardware store owners use funding to buy in-demand products or materials in bulk before supplier prices go up, protecting margins and ensuring consistent supply.
Yes. Whether you run an independent store or a national franchise we can provide funding tailored to your turnover.
You can access up to R5 million, making it possible to invest in large stock orders, store renovations or high-value equipment purchases.
You can choose between fixed payments for predictability or turnover-linked payments that adjust during quieter months.
No. A GoTyme Business Advance is separate from supplier credit and can actually strengthen those relationships by allowing you to pay earlier, negotiate discounts and increase order volume.
Need funding fast? Our simple, paper-free application process gets you started in just a few clicks - no stress, no waiting around.
Want tailored advice? Our experienced funding specialists are here to help you find the right solution for your business needs.
Got questions before you apply? Send us a message on WhatsApp and we’ll help you with answers, guidance or anything you need to get started.