The Retailability Group is a South African-based group of retail brands with over 600 stores across Southern Africa including South Africa, Namibia, Botswana, Lesotho and eSwatini. Retailability prides itself on bringing authentic and affordable fashion to its customers and its brands include Edgars, Keedo, Legit, Beaver Canoe, Swagga and Style.

With 7,500 employees in South Africa, their national footprint consists of approximately 450 stores. 

Like almost 80% of working South Africans, many Retailability employees were regularly seeking out payday loans, which come with high-interest rates and often lead to debt traps. Retailability wanted a safer and more sustainable solution for their employees that still provided them with access to money when they needed it most.

• Retailability received approximately 120 loan requests per year. The company only provided loans under rare circumstances.

• On average, each loan took 1 hour to process and involved multiple steps. Retailability spent around 10 hours per month processing loans.

• Employees seeking loans often turned to loan sharks within their community who charged interest rates as high as 24% per month.