Capital funding tied to how your business actually earns.
Nova Bancard helps merchants access working capital using their card volume or traditional small business structures. The goal is simple: keep cash available for growth — not just covering yesterday's shortfall.
Card-volume
Flexible structures aligned with the way your sales actually move.
Term-style
Predictable pay-off paths when fixed planning matters more than flexibility.
Use of funds
Best used for growth moves, not just plugging recurring cash flow holes.
Funding snapshot
How Nova Bancard approaches working capital
- Card-volume
- Flexible
- Term-style
- Predictable
- Use of funds
- Growth-first
Fixed % of card batches, aligned with sales.
Set terms and pay-off dates for planning.
Renovations, new locations, upgrades — not band-aids.
Funding structures
Two core ways we talk about capital.
We don't try to fit every merchant into the same structure. Instead, we look at your volumes, margins and seasonality, then discuss the options that actually make sense.
Card-volume funding
Working capital based on your processing history, repaid as a fixed percentage of future card batches.
Term-style options
More traditional small business structures with set terms, payments and clear pay-off dates.
Project-based capital
Funding tied to specific projects — build-outs, additional locations, equipment upgrades and more.
When capital makes sense
When capital is usually a fit.
The healthiest funding conversations start with a clear purpose. We'll ask you where the dollars are going and how quickly they are likely to come back.
- Renovating or expanding your physical location.
- Adding a new truck, van or service crew to handle demand.
- Upgrading point-of-sale, kitchen equipment or medical devices.
- Bridging seasonal cash swings so payroll isn't stressful.
What we'll ask for
Simple information so we don't waste time.
Before we talk specific offers, we'll usually ask for:
- • Recent processing statements or summaries
- • A snapshot of average monthly card volume
- • How long you've been in business
- • What you're trying to accomplish with the funds
We'll also talk through whether using card-volume funding or a more traditional term option is healthier over the next 12–24 months.
Capital funding is subject to approval, underwriting and the terms of the specific program or lender. Nova Bancard does not provide legal, tax or accounting advice.
We strongly recommend reviewing any funding proposal with your CPA or advisor before signing.