Free up working capital to improve your cash flow. 

Don’t let cash flow hold your business back. Netcash Business Funding is a powerful tool that helps you leverage your income in your Netcash account.
Accessing funds faster,  gives you the flexibility to invest in new opportunities, bridge cash flow gaps, or manage unexpected expenses with ease.
 Focus on what matters most, growing your business with the financial freedom Netcash Business Funding provides. 

We offer two types:

Advance Settlements 

Ideal for short-term needs, this allows you to access funds from a specific debit order batch before it’s processing date. 

Instant Funding

Offered in partnership with Retail Capital, provides funding that is repaid over a longer term. 

Advance Settlements

Helping you to manage cash flow challenges 

Advance Settlements is a convenient solution for accessing funds earlier. No need to wait for processing cycles! You can now unlock the potential of your upcoming debit order collections sooner. Now you can access funds for your authorised debit order batches scheduled for processing within the next 15 days, allowing you to seamlessly manage your cash flow and optimise business operations.   

Access your funds earlier


Effortlessly access and utilise your advance funds directly within your Netcash account. 

Early Access

Unlock the power of early access to your debit order proceeds, boosting your financial flexibility.


Deal directly with Netcash, your trusted partner for all your payment needs. 

Effortless Process

1. Load and authorise your debit order batch.

2. Click on “Request” within the Advance Settlements section.

3. Enter the desired advanced amount.

4. Click “Submit” to complete your request.

Instant Funding

Netcash and Retail Capital have partnered to bring you Instant Funding.

To qualify for an Instant Funding offer, you would have had to utilise the Netcash Debit Order and Pay Now Services for the preceding three months and generate a minimum monthly turnover of R5000 pm for that same period. The flexibility of an Instant Funding offer is in your hands, as you can decide the amount required as well as the payment term best suited for your business. By accepting your Instant Funding offer, you agree to the funds being paid into your Netcash account.

Flexible business funding

No security needed


No security or collateral required.

Flexible funding


Payment structures tailored to match your business turnover and cashflow cycles.

safe and secure account


With compliance embedded in our business, we keep your data protected, safe and encrypted.

Effortless application process:

1. Select the required amount

Instant funding step 1

2. Choose the payment term

Instant funding step 2

3. View your payment details

Instant funding step 3

4. Submit your application

Step 4 apply

Retail Capital, your trusted partner in SME funding

Over the past decade, Retail Capital have partnered with over 70 000 SMEs providing funding of more than R10 billion over the past decade. As the market leaders in business funding, they have provided the industry with innovative, flexible, and convenient alternatives to traditional loans. Visit their website to find out more:

Business is the lifeblood of the economy and Small and Medium Businesses are the Growth Engine for the future, employing the most people and growing faster than Large Businesses. It is vital they have the resources and the skills to grow. At Retail Capital, we partner to provide funding and support services to benefit South Africa.

Karl Westvig – Retail Capital Founder & CEO

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will call you to discuss your unique payment needs.