Funding That Moves at the Speed of Your Business
Get working capital based on your business’s real revenue — not a rigid bank timeline. Fast approval, funding as soon as next business day, with repayment structured around your sales.
The Problem With Traditional Business Loans
Long applications, extensive documentation, and credit-score thresholds that shut you out
Meanwhile, the cash flow gap you actually need to solve — covering payroll before a big invoice clears, buying inventory ahead of a busy season, taking on a job that needs upfront materials — doesn’t wait for a six-week approval process.
By the time traditional financing comes through, the opportunity it was meant to fund has often already passed.
NorthStar Will Show You The Money!
Approval based on revenue, not just credit. Underwriting looks at your business’s real processing and sales history, which can open the door for your businesses to get funding.
Fast turnaround. Streamlined applications mean funding decisions — and funds — can move in days, not weeks.
Repayment tied to your sales. Repayment is structured as a percentage of ongoing sales, so it flexes with slower and busier periods.
No collateral required. Funding is based on your business’s revenue profile rather than requiring you to pledge assets.
Use it how your business needs it. Inventory, payroll, equipment, marketing, materials for a new job — funding isn’t restricted to a single approved use case.
How It Works
01
Quick Application
Provide basic business information and recent processing or bank statements — no lengthy paperwork packet required.
02
Revenue-based Review
Underwriting evaluates your business’s actual sales and cash flow patterns rather than relying solely on a credit score.
03
Fast Funding Decision
Most applicants receive a decision quickly, with clear terms disclosed upfront — no hidden fees buried in fine print.
04
Flexible Repayments
A fixed percentage of your ongoing revenue goes toward repayment, slower periods mean a smaller repayment amount.
FAQs
Is this a loan or a merchant cash advance?
This is a merchant cash advance — a purchase of a portion of your future receivables in exchange for upfront capital, not a traditional term loan. It’s important to understand the difference in structure and cost, and we’ll walk through the exact terms with you before you commit to anything.
What determines how much funding I qualify for?
Funding amounts are generally based on your business’s recent revenue and processing history rather than personal credit alone. We’ll review your specific numbers to give you an accurate range.
How is the repayment amount calculated?
Repayment is typically structured as a fixed percentage of your daily or weekly sales (a “factor rate” is used instead of a traditional interest rate), meaning the total repayment amount and structure are disclosed upfront before you accept funding.
Will this affect my personal credit?
Merchant cash advances are generally evaluated based on business revenue rather than a hard personal credit pull in most cases, though specifics vary. We’ll confirm exactly what’s involved in your application before you apply.
How quickly can I actually receive funds after approval?
Timelines vary by funding amount and documentation, but many approved businesses receive funds within 1-2 business days of accepted terms. We’ll give you a specific estimate once your application is reviewed.
What documentation do I need to apply?
Typically recent business bank statements and/or processing statements are enough to start a review — we’ll tell you exactly what’s needed for your specific business type before you apply.
Is there a penalty for paying off the advance early?
This depends on the specific terms offered by the funding partner. Some structures offer a discount for early repayment, others do not — we’ll walk through your exact terms, including this detail, before you accept any offer.
What happens if my sales slow down after I take funding?
Because repayment is structured as a percentage of ongoing sales rather than a fixed amount, a slower period generally means a smaller repayment deduction rather than a missed fixed payment. Terms and specifics vary by agreement, which we’ll review with you in full before you commit.
Can I qualify if I’ve been in business less than a year?
Time-in-business requirements vary by funding partner and are typically shorter than what traditional banks require. We’ll let you know where you stand based on your specific revenue history during the application review.
Are there industries that don’t qualify for this type of funding?
Some industries face more limited options depending on the funding partner’s underwriting criteria. Tell us your industry and we’ll confirm quickly whether you’re eligible and what terms might look like.
Get the Capital Your Business Needs, When It Needs It
No lengthy bank timeline, no rigid fixed payment — just funding structured around how your business actually makes money.