Capital that flexes with your top line.
Working capital up to 1.5× your monthly revenue. Repayment scales with your sales — pay more in strong months, less in slow ones. Decisions on cash flow, not just FICO.
Capital that scales with your business — not against it.
Working capital up to 1.5× your monthly revenue. Strong week, you pay a little more. Slow week, you pay less. Built-in safety so a soft month is never a cash-flow crisis.
Underwriting on real cash-flow signal — consistency, deposit volume, end-of-day balances. Your FICO is one input, not the gate.
Funding tailored to your business needs
Our revenue-based financing offers rapid, transparent financing to fuel your strategic goals.
Approval on cash flow, not just credit
We underwrite on real bank-account performance — consistency, deposit volume, end-of-day balance trends. Your FICO is one signal, not the only one.
Funded in 24 hours
Most revenue-based advances fund the next business day after acceptance. No collateral, no personal-guarantee gymnastics.
Repay as a percentage of revenue
Daily or weekly payments adjust automatically with your deposits. Strong week? You pay a little more. Slow week? Less. No fixed monthly hit.
No fixed monthly payment
Unlike a term loan, there’s no due-by-the-1st bill. The repayment scales with the business, so a soft month never becomes a cash-flow crisis.
North Lending agrees to provide loan products. You can trust transparency in every interaction.
We do not charge hidden fees or penalties. All terms disclosed upfront with full APR breakdown before signing.
Your data is processed in accordance with our privacy policy. Bank-level encryption applies at rest and in transit.
By accepting, you agree to repayment terms in the schedule attached, no daily debits.
Just
transparency
Businesses succeed with North Lending
“We took $180K for inventory ahead of Q4. The flexible-repayment structure meant we never sweated payroll. Best capital product I’ve ever used.”
“If you are a business that is looking for funding, I would recommend that you reach out to North Lending. It is so much easier, so much faster, and more of a partner with your business.”
“It was fast. It was easy. We had the kind of personalized service from a financing lender that we'd never experienced before.”
A transparent approach to business funding
North Lending's portal gives you complete visibility and control over your funding options. No hidden terms — just clear choices designed for your business.
Two-minute online application
Connect your business banking read-only. We analyze 6 months of deposit patterns instantly.
Start ApplicationSee your maximum advance
Your portal shows the exact dollar amount you qualify for and a sample repayment schedule based on your actual revenue.
See your offersAccept and get funded next day
E-sign one document, see the advance hit your account the next business morning. No collateral filings or in-person closings.
Talk to an advisorRepay automatically, scales with revenue
Daily or weekly micro-payments calibrated to your deposit volume. Built-in safety: payments throttle automatically in slow weeks.
Get fundedRevenue-Based Financing
FAQs
Quick answers on rates, structure, and timing. Still have a question? Talk to a specialist.
- North Lending RBF is structured as a true financing — disclosed APR, clear total cost, and reporting that helps build business credit. MCAs are typically purchase-of-future-receivables structures with opaque costs. Ours is transparent end-to-end.
- Repayments scale down with deposit volume — that’s the whole point. We have a built-in throttle that caps payments at a percentage of weekly revenue, so a slow week can’t over-collect.
- No collateral and no personal real-estate liens. Most advances are unsecured for qualifying businesses.
- Typical advances are 0.5× to 1.5× your average monthly revenue. A business doing $80K/month in deposits could qualify for $40K to $120K in working capital.
- Yes — once you’ve repaid 50% of an active advance, you’re eligible for a renewal. Many customers stack two cycles to fund recurring seasonal inventory.
How is RBF different from a merchant cash advance?+
What if revenue drops?+
Do I need collateral?+
How much can I qualify for?+
Can I get a second advance later?+
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.