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  • EST. 2001
  • Elavon Partner
  • U.S. Support

Working capital that moves the way your business does.

Nova Bancard helps merchants access funding tied to real card volume or traditional small-business structures. The goal is simple: keep cash available for growth — not just covering yesterday’s shortfall.
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Funding snapshot

How Nova Bancard approaches working capital

Card-volume

Flexible

Fixed % of card batches, aligned with how your sales actually move.

Term-style

Predictable

Set terms and pay-off dates for when fixed planning matters most.

Use of funds

Growth-first

Renovations, new locations, upgrades — not band-aids for cash gaps.

We walk through how each option impacts cash flow over the next 12–24 months so you're not trading today's relief for tomorrow's pressure.

Funding structures

Three ways we structure capital.

We don’t force every merchant into the same box. We look at your volume, margins and seasonality, then talk through the structure that actually fits — and the one that doesn’t.

MOST FLEXIBLE

Card-volume funding.

Working capital based on your processing history, repaid as a fixed percentage of future card batches. Repayment flexes with your sales.

MOST PREDICTABLE

Term-style options.

More traditional small-business structures with set terms, fixed payments, and a clear pay-off date you can plan around.

MOST TARGETED

Project-based capital.

Funding tied to a specific project — a build-out, an additional location, an equipment upgrade — sized to the job, not open-ended.

Proven Results

Capital that shows up when it counts.

$200k

Working capital available, fast

24h

Typical approval window

Flexible

Repayment scales with card sales

25+

Years guiding merchant funding

HOW REPAYMENT WORKS

No surprises. Here's exactly how you pay it back.

The biggest worry merchants have about funding is the part nobody explains clearly: repayment. With card-volume funding, it’s simpler than a traditional loan.

You receive the funds.

Once approved, capital lands in your account — typically within 24 hours for card-volume structures.

A small share of each batch.

A fixed, agreed percentage of your daily card sales goes toward repayment — automatically, in the background.

It flexes with your sales.

Busy week, you repay a bit more. Slow week, a bit less. The percentage stays the same — the amount follows your revenue.

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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.

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Contact Us

Let's figure out what actually makes sense.

No obligation, no hard sell. Tell us what you’re trying to accomplish and we’ll walk you through whether funding fits — and which structure is healthiest for your business over the next 12–24 months.
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