Cash Lenders – Netbank

Scale Your Lending Operations with Netbank.

Build faster, safer, and more reliable lending journeys with Netbank’s API-first banking infrastructure. Enable instant loan disbursements, automated repayments, account verification, and compliant fund flows for cash lending operations in the Philippines.

BNPL (Buy Now, Pay Later)

Optimized for point-of-sale financing providers.

Operational Challenges Resolved

Capital Constraints: Scale your portfolio via structured capital partnerships without draining your own balance sheet.
Fragmented Pay-Outs: Route instant point-of-sale loan proceeds natively across local bank networks and e-wallets.
Manual Bookkeeping: Eliminate matching errors with automated ledgering instead of manual transaction tracking.
Retail Utility: Bridge the gap between digital credit approval and immediate brick-and-mortar merchant checkout.

Integrated Product Stack

Local Disburse-via-Transfers

Local Collect-via-VA + QRPH

QRPH Scan-to-pay

Loan Channeling

MFIs (Microfinance Institutions)

Suitable for microfinance institutions.

Operational Challenges Resolved

Paper-Based Friction: Move entirely away from manual, slow cheque-based disbursement processes.
Fragmented Pay-Outs: Disburse high-volume loan proceeds instantly across diverse borrower bank accounts and e-wallets.
Manual Tracking: Stop manually reconciling incoming Instapay, PesoNet, and over-the-counter payments.
Reconciliation Delays: Eliminate proof-of-payment follow-ups with real-time settlement tracking.

Integrated Product Stack

Local Disburse-via-Transfers

Local Collect-via-VA + QRPH

Local Collect-via-VCA

SME (Small and Medium Enterprises)

Suitable for SME lending programs.

Operational Challenges Resolved

Manual Reconciliation: Eliminate tedious manual matching operations for incoming business repayments.
Tracking Inefficiencies: Stop fragmented tracking of client transfers across separated Instapay and PesoNet networks.
Opaque Payment Confirmation: Fix poor borrower UX caused by delayed or broken payment verification flows.
Capital Constraints: Overcome balance sheet growth limits through structured institutional channeling.

Integrated Product Stack

Loan Channeling

Virtual Collection Account

QRPH Collection

Online Cash Lenders

Suitable for online cash lenders and payment aggregators.

Operational Challenges Resolved

Disbursement Bottlenecks: Eradicate processing delays with instantaneous programmatic fund releases.
Manual Transfer Tracking: Move past error-prone reconciliation by abandoning basic bank transfer monitoring.
Stagnant App Engagement: Boost low borrower transaction volumes by providing direct utility at retail checkouts.
Complex Multi-Channel Pay-Outs: Centralize fragmented fund routing across disparate local banks, digital e-wallets, and cash outposts.

Integrated Product Stack

Local Disburse-via-Transfers

Local Collect-via-VA + QRPH

QRPH Scan-to-pay

White-Labeled Savings & Banking App

Suitable for digital platforms and financial institutions.

Operational Challenges Resolved

Slow Time-to-Market: Skip months of development with a ready-built, bank-grade mobile app.
Regulatory & Compliance Barriers: Operate seamlessly under Netbank’s full regulatory license and compliance framework as an authorized Online Lending Platform (OLP).
Limited Product Scope: Expand beyond loans by providing interest-bearing savings accounts, bills payment, and mobile load top-ups within your app.
Infrastructure & Branding Limits: Deploy a fully re-skinnable app matching your brand identity on Apple App Store and Google Play Store with bank-grade security.

Integrated Product Stack

White-Label Mobile App (iOS & Android)

Embedded Savings & E-Wallet Engine

Integrated Bills Payment & Telco Load Top-Ups

Native In-App Loan Application & Repayment Rails

Our Partners

We work with leading lending, payments, commerce, and financial technology partners building scalable financial services in the Philippines.