NJORD CAPITAL GROUP
Alternative Financing For Small Businesses & Real Estate Investors
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.
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
Revenue-based financing (RBF) is a type of funding where repayment is tied directly to a company’s revenue. Instead of fixed monthly payments, the business pays a set percentage of its sales until the advance (plus fees) is repaid. This makes it more flexible than traditional loans—payments rise when revenue is strong and fall when it slows.
Common Structure:
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Merchant Cash Advances (MCAs): Provide fast capital, sometimes within 24 hours, with repayment taken as a fixed percentage of daily or weekly sales until the balance is repaid.
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Revenue Share Agreements: Repay a set portion of monthly revenue, offering flexibility over a longer term.
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Credit Card Splits: A percentage of credit card sales is automatically deducted, adjusting repayment with transaction volume.
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—term loans specifically structured to consolidate multiple advances into a single, manageable monthly payment. With improved terms and lower overall costs, many clients experience reductions of up to 75% in monthly payments. Typical turnaround is 2–3 weeks, helping businesses ease cash flow pressure and move away from the burden of daily or weekly repayments.
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.
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.