Imagine a partner who knows your business, and would do anything to help it grow, someone who gave you cash when you needed it...

What is Nedbank GAP ACCESS

We understand the difficulty of growing a small business, the hours you put in and the determination you need to succeed. But we also know how slow and uncertain this can be without the cash you need. This is where GAP ACCESS comes in. We provide the cash you need, when you need it.

What can GAP ACCESS do for my business

We give you a cash advance to help grow your business. The cash is paid back as a percentage of your daily card machine turnover. As a trusted partner we will make sure that you never pay back more than you can afford. If you don’t make it, we don’t take it. See how we can help you by using the GAP ACCESS calculator.

Use the Calculator to see how we can help you

What is your annual card machine turnover? ( Your turnover needs to be at least R1 000 000 to qualify. )


How many days per month are you open for?

Over how many months do you want to pay back the advance?

How much do you need?

  • R0
  • R375 000
  • R750 000
  • R1 125 000
  • R1 500 000

The percentage of your daily card machine turnover you will use to pay off your advance will be :

Total advance:
Repayment term:
Percentage of daily card machine turnover:
Future fees (15%):
VAT on future fees:
Administration fee: R500


Since Nedbank has no control over the information and variables entered by a website user, figures generated by the calculators shall not be binding on Nedbank GAP ACCESS.

To qualify for GAP ACCESS

Your business must have been operational for at least two years. You must have been a merchant with Nedbank for at least three months. You need a pro forma invoice demonstrating the intended use of funds of up to 70% of the advance value. Your cashflow must come mainly from card-based transactions. Your minimum annual business turnover must be at least R1 million and You need personal surety.

How it works

Sign up and get approval on your advance


Get what you need to make your business grow


Pay back the advance from a percentage of your daily card machine turnover.


Get another advance once you have paid off 60% of your existing advance

Get the cash you need

When you partner with us you wont have to worry about a thing. We give you the cash and the repayments happen automatically as a percentage of your card machine turnover. Before you know it you have paid back 60% of your advance and you can apply for a further advance for your rapidly growing business.

Partner for growth

We form partnerships based on trust and a commitment to innovation and growth. Partner with us and we will help you take your business to new heights.

It's so easy

We have simplified everything to make your experience as easy as possible. There is minimal paperwork and all you need is to have a business turnover of R1 million per annum, been in operation for at least 2 years, a year long transactional history with Nedbank and provide a proforma invoice and personal surety. Unfortunately sole proprietorships do not qualify.

See GAP ACCESS in action

" GAP ACCESS is a great product to have as a partner in your business."Majid Ghorbani - Owner of Active Sushi

"The ease of the product with minimal documentation required was the reason why we decided to do it." Les McMaster - Owner of M-Centre

"It's easy, it's affordable, you can do it now, so why wait."Org Grobler - Owner of Purple Cow Restaurant

  • Active Sushi

  • M-Centre

  • Purple Cow Restaurant

Get Gap Access

Send us your details and we will get back to you to discuss how GAP ACCESS can help you grow your business.