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Business Financing Solutions

SECURED & UNSECURED TERM LOANS

These loans provide a one-time lump sum for your business, which can be used for long-term needs such as expansion, equipment purchases, or debt consolidation. Secured loans are backed by assets like property, which often results in lower interest rates. Unsecured loans, while not requiring collateral, may come with higher rates due to the increased risk for lenders. Both options provide fixed monthly payments, making it easier to plan your finances over the loan term. Through our network of capital providers, we arrange access to SBA-backed financing and private term loans.

Sample loan programs for quick capital access: 
 

SBA 7(a)—No Debt Service Coverage Ratio (DSCR) Streamlined Program

  • Loan up to $350K

  • Time in business 2+ Years

  • FICO score 600

  • Rates Starting at 9.75%

  • 12 months bank statement, personal tax return, and business tax returns

  • No DSCR or Collateral Requirements

  • Use of Funds: Working capital, real estate purchase, business expansion or acquisition, equipment & machinery, refinancing high interest debt (6+ months old), startup or franchise costs.

  • Closing time line approximately 4 Weeks
     

  • SBA 7(a)—Large Balance

  • Loan up to $350K - $5M

  • Time in business 2+ Years

  • FICO score 660

  • Rates Starting at 9.75%

  • 12 months bank statement, personal tax return, and business tax returns

  • Require Collateral

  • Closing time line approximately 6-7 Weeks
     

10-Year Term Loan—No DSCR Streamlined Program

  • Loan up to $350K

  • Time in business 1+ Years

  • FICO score 640

  • Rates 14%-25%

  • 12 months bank statement, personal tax return, and business tax returns

  • No DSCR requirement

  • Closing time line, 1-2 Weeks​
     

5-Year Term Loan—Streamlined Program

  • Loan up to $500K

  • Time in business 2+ Years

  • FICO score 690

  • Rates 7.59%-25%

  • 6 months bank statement, personal tax return, and business tax returns

  • No DSCR requirement

  • Closing time line, 1 Week

     

BUSINESS LINE OF CREDIT

A revolving line of credit functions like a credit card for your business, providing access to funds as needed without the hassle of reapplying each time. You can draw only what you need, when you need it, and interest applies solely to the borrowed amount. This structure is ideal for short-term operational needs such as managing inventory, payroll, or unexpected expenses. By arranging access to flexible credit lines through our lending partners, we help businesses maintain healthy cash flow without overextending.

FACTORING

Invoice factoring enables businesses to unlock the value of their receivables by selling invoices to a factor in exchange for an advance—often up to 90% of the invoice amount. The factor manages collection, and once the customer pays, the remaining balance is remitted minus a fee. This option is especially effective for businesses with extended payment cycles that need immediate liquidity. At NCG, we connect clients with factoring partners who provide tailored solutions to stabilize cash flow and fund ongoing operations.

A/R LINE OF CREDIT

An A/R (Accounts Receivable) Line of Credit is a practical solution for improving cash flow, allowing businesses to avoid waiting 30–90 days for customer payments. Compared to invoice factoring, it typically costs about half as much and offers a more favorable structure without requiring invoice notifications. Factoring often applies a fixed rate for up to 30 days after the invoice date, with incremental increases every 10–15 days if payments are delayed. In contrast, an A/R line of credit applies a single low-interest rate for up to 90 days past the invoice date. For companies currently relying on factoring, an A/R line of credit can provide a more transparent, cost-effective alternative that reduces fees and strengthens cash flow management.
 

ASSET-BASED LENDING

Asset-based lending (ABL) is a financing structure secured by business assets such as inventory, equipment, intellectual property, or real estate. It’s an effective option for companies that may not have strong cash flow but hold significant assets that can be leveraged for working capital, expansion, or refinancing existing debt to improve cash flow. Loan amounts are determined by the value of the collateral, and proceeds can be applied toward day-to-day operations, growth initiatives, or balance sheet restructuring. Through our network of capital providers, NCG helps clients access asset-based lending solutions tailored to their business.

REVENUE-BASED FINANCING(RBF)

Revenue-based financing is designed for established, high-growth businesses with recurring revenue of $4 million or more annually that need flexible, non-dilutive capital to scale. Rather than giving up equity or taking on rigid term debt, companies receive upfront funding that’s repaid as a fixed percentage of future revenue—typically over terms of up to five years.
 

As sales fluctuate, payments adjust—rising when revenue grows and easing during slower periods—creating a structure that naturally aligns with cash flow. RBF is ideal for growth-focused companies seeking to invest in expansion, marketing, or operations while maintaining full ownership and control.

MCA REFINANCING

Merchant Cash Advances (MCAs) provide quick access to working capital but often come with high, frequent repayments that strain cash flow. Through our lending partners, we arrange MCA refinancing through structures using conventional and alternative debt facilities such as term loans, factoring line, HELOC for business use, revenue-based financing, asset-based lending, or equipment sales lease back. 
 

MCA "REVERSE CONSOLIDATION"

Through Njord Capital Group, clients can access MCA reverse consolidation programs with terms of up to 12 months, designed to ease cash flow challenges. Funding may occur in as little as 24 hours, with weekly deposits applied toward existing MCA obligations. In turn, repayment is made through scheduled withdrawals at a lower, more manageable rate. This structure reduces the strain of frequent payments and provides greater flexibility in managing cash flow.

PAYROLL FUNDING

Through our network of funding partners, Njord Capital Group connects businesses with payroll funding solutions that deliver quick relief during cash flow challenges. These short-term programs are structured specifically to cover payroll obligations without creating a long-term debt burden.

Why Njord Capital Group?

Our customized approach to arranging financing gives businesses the flexibility and support to grow. By leveraging a variety of options, we help clients optimize their capital structure while maintaining operational efficiency.

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