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Business funding

Business capital from $5,000 to $1 million

See what lenders weigh, then apply once. One short application, 80+ lenders, and no application fee.

  • No application fee
  • No obligation
  • Same-day funding
  • No collateral required

The application is the way in, and it takes about two minutes.

The five bearings

What every lender reads before making an offer

Applications are not judged on one number. They are read from a handful of bearings, and different programmes weigh each one differently. Knowing where you stand on all five tells you where to start.

  1. Two brewers among the tanks of a long-established brewery.

    Bearing 000°

    Time in business

    How long the business has been trading.

    It is a track record. A business that has come through a few seasons is easier for a lender to read than one that has not.

    Leans on it most
    Equipment Financing. Equipment lenders usually look for 12 months or more.
    Leans on it least
    Revenue-Based Funding. Revenue-based funding leans on recent sales more than on years trading.
  2. An online seller packing the day's orders into boxes.

    Bearing 072°

    What comes in

    Monthly revenue and how steady it is.

    Offers are sized against what the business brings in, and repayments have to fit inside it.

    Leans on it most
    Equipment Financing. Equipment lenders usually look for $50,000 or more a year.
    Leans on it least
    Business Line of Credit. A line of credit costs nothing until it is drawn, so it can sit in reserve for a thin month.
  3. A salon owner standing in her own salon, arms folded.

    Bearing 144°

    Credit

    The owners' personal credit and the business's own history.

    It is the lender's view of how past obligations have been met.

    Leans on it most
    Term Loan. A term loan asks about your credit, and its fixed rate reflects it.
    Leans on it least
    Revenue-Based Funding. Low scores and limited credit history are considered.
  4. A pharmacist handing a customer their purchase across the counter.

    Bearing 216°

    How customers pay

    Card sales, invoices, cash, and how quickly money arrives.

    It decides which programmes can be repaid from the money as it comes in.

    Leans on it most
    Revenue-Based Funding. Revenue-based funding is repaid from future card or other receivables.
    Leans on it least
    Equipment Financing. Equipment financing is repaid monthly, whatever the mix of payments.
  5. Builders at work inside a new building as the sun comes through.

    Bearing 288°

    What it is for

    The purchase, the gap or the plan the money pays for.

    The purpose points to the programme, and it is the one bearing entirely in your hands.

    Leans on it most
    Equipment Financing. It is for equipment, and the equipment itself backs the financing.
    Leans on it least
    Working Capital. Working capital covers the running of the business in general.

Weak on one bearing is rarely the end of it. Solid cash flow can make the case where a credit score falls short, and a specialist will tell you which programme reads your business best.

How it works

Three steps from the bearings to the money

A short application, a specialist who reads your business the way a lender will, and offers you can compare in full.

Step 01

Apply in a few minutes

The amount, how to reach you and a few questions about the business. Nothing to upload to start, and nothing to pay.

  • Free to apply
  • No documents to start
  • No commitment
An owner on the phone at her desk among packed parcels.

Step 02

A specialist takes your bearings

They look at your business the way a lender will, then take the application to the lenders in the network most likely to say yes to a business reading like yours.

  • Read the way a lender reads it
  • One application, many lenders
  • Told plainly where you stand
An owner reading through papers at her desk.

Step 03

Choose and get funded

Compare each offer's amount, term, payments and total cost. Accept the one that fits and, once approved, money can arrive in as little as 24 hours.

  • Total cost on every offer
  • Say no to any of them
  • Funded in as little as 24 hours once approved
Two men shaking hands on a deal in a warehouse.

The six

Six programmes, with the network's figures

Amounts, speeds, terms and costs as the network publishes them. The bearings above say which to look at first.

Straight answers

What Northpoint will tell you, and will not

Where you stand
If one bearing is holding an application back, you will hear which one and why.
Which programme reads you best
Not the largest offer: the one your business is most likely to be approved for and able to carry.
What it costs in full
The total repaid over the term, not only a rate.
No guarantees
No one can promise an approval before a lender has read the application, and we will not.

The network's figures

The lending network behind every application

80+lenders in the network
25,000businesses funded
24 hrsto funding once approved

These are the totals of the lending network Northpoint Business Capital works through, not figures for this brand alone.

Ready when you are

Ready to grow your business?

Know where you stand, then apply once and compare real offers. No application fee, no obligation.

Start my application

Forested ridges running north under a clear morning sky.

The application

Apply now

A few minutes: the amount, how to reach you and a few questions about the business. Free to apply, and nothing is binding until you accept an offer.

The application is the way in, and it takes about two minutes.