How It Works

Merchant Cash Advances

Simply put, a electronic cash advance empowers your conversion of future credit card receivables, whether credit or debit cards, ACH, or imaged checks. Since it is a cash advance against sales yet to occur, the transaction is not reported to credit bureaus. We support the growth and success of your business – we get paid as you get paid. Meantime, there is no cost to get started – no points, no application or other hidden fees.

  • No personal guarantees
  • Funding of $5000 to $500,000 per location
  • Your cash flow is uninterrupted
  • No collateral pledge on your home or business
  • No coupons or checks to write
  • No impact on your ability to qualify for other financing
  • Finance potentially well beyond your monthly electronic receipts
  • No fixed payment schedule; repayment is completely automatic
  • Repayment occurs as an agreed, fixed percentage of credit card receivables. If your electronic sales decline (e.g. in a seasonal business), so does the scale of repayment amounts; it is always commensurate without increasing the cost of the money transaction

Am I limited on how I use the cash advance?
There are no restrictions on how you use our capital funding. But here is just a brief suggestion list of the variety of needs that may reflect your own:

  • Meet payroll or tax obligations
  • Inventory purchase
  • Pay for repairs or purchase new equipment
  • Increase sales penetration through marketing strategy
  • Remodeling
  • Cover emergency costs
  • Buy out a partner
  • Open new location(s)
  • Support a seasonal trend

NorthPoint Business Funding = Fast!

  • Over 80% approval on applications
  • Cash wired to your account in 7 days or less
  • Easy application takes about 3 minutes
  • Fast pre-qualification – no signatures required

Simple Qualification

Qualifying is easy. These are the essentials:

  • Have been in business for six months
  • Verify that your business accepts electronic payments and that you average a minimum of $3000 in Visa/MC sales per month.
  • Provide us with your last consecutive four to six months Visa, MasterCard, Amex, Discovery, or other electronic processing statements
  • Complete and submit merchant application
  • Proof of ownership (business license, tax return schedule, etc.)
  • Be in good standing with your landlord
  • Be clear of any bankruptcies

How to get started
Complete the free, no-obligation online application here >> We’ll respond with your quote – usually the same day

Why businesses like yours are choosing an Electronic Cash Advance from NorthPoint Business Funding
We offer you free, no-obligation consultation and a quote. In addition, you can expect:

  • Approval in as little as 8 hours, with funding being wired to your account, typically within a week or less.
  • Bumpy credit? Typically no problem, most applicants qualify. We see approvals based on much lower FICO scores than you might expect.
  • High funding limits up to $500,000. Call us at 866.305.7886 for a quote we’ll quickly determine what you qualify for.
  • No late fees.
  • NorthPoint Business Funding provides the highest level of personalized customer service in the industry. Each business owner is provided his or her own personal representative for a step-by-step orientation through the advance process and beyond. We’ll be there when you need us again in future.
  • We are constantly shopping for the most affordable and attractive programs through a wide portfolio of cash advance partners – and promise to match or improve on any existing quotes you may have. We’re always open to discuss offerings by our competitors, above all, we know who keeps us in business!

To get started and learn more, just complete the following form: