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In-person payments
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Manually-entered payments
For manually-entered payments or card-on-file payments, Square charges a fee of 3.5% + $0.15 per transaction.
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$ --
Online payments
For online payments or payments via invoice, Square charges a fee of 2.9% + $0.30 per transaction. (If you're signed up for the Premium plan, the percentage fee is lower at 2.6%.)
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$ --
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If you borrow -- over -- at an interest rate of --, you will pay a total amount of --, or -- per month.
Minimum monthly payment:
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Average monthly interest:
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Total interest paid:
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Total amount paid:
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any small business owners and solopreneurs launch their businesses with no outside financing. These founders and freelancers start building their business from scratch, or use their personal savings as a stake to get started. Starting with (next to) nothing requires commitment, courage, and adaptability, and we celebrate the fearless entrepreneurs who embrace this challenge. As their business grows, owners and operators need financial stability and flexibility, especially when it comes to managing short-term needs and pursuing long-term ambitions. 

Understanding the various financing options available, whether your business qualifies, and how you’ll make the most of both your funding and repayment obligations is crucial. Common financing options include loans from traditional banks, government-backed loans from the Small Business Administration (SBA), business lines of credit, crowdfunding, invoice financing, and merchant cash advances.

If you’ve ever been denied a line of credit, you know that small business owners face all kinds of challenges in obtaining funding from traditional sources. Limited credit history, insufficient collateral, low annual revenue, high debt-to-income ratio, and lack of financial documentation are just some of the obstacles that prevent entrepreneurs from access to financing. 

We launched Novo Funding to empower small businesses to access up to $75,000 with fast and flexible working capital solutions—especially those who may have been denied loans from traditional banks or are exploring financing options for the first time. Here is everything you need to know about accessing working capital with Novo Funding:

Fast and Convenient Application Process

Apply any time, anywhere and complete your application in under 10 minutes. Skip digging through files for documents, lengthy paperwork, and time waiting at the bank. We run a soft credit check, so your credit score won’t be impacted.

Streamlined Approval

Waiting for loan approval can hinder your business growth. We aim to provide fast access to funds by reviewing your application within 24 hours. This quick turnaround ensures that you can get back to running your business without unnecessary delays.

Instant Access to Working Capital

Once approved, you receive instant access to your working capital through your Novo account. You won’t wait for funds to clear or deal with cumbersome paperwork. With Novo Funding, you can start putting your money to work faster, helping you avoid potential late fees or delays in essential purchases.

Flexibility to Fuel Your Ambitions

We understand the unique financial needs of small businesses—we’re serving more than 200,000 of them with free business checking. Whether you need to invest in new equipment, boost marketing efforts, or settle delayed payments, Novo Funding gives you full discretion to use your working capital according to your business's priorities. You're in control of how you allocate and leverage your funds.

Transparent Repayment Schedule

Managing your cash flow is critical for small business success. Novo Funding doesn't come with surprises. You will receive a clear transfer schedule that outlines each repayment. The standard repayment period is six months per draw. However, you have the option to complete repayment early to replenish your Available Funding and put more capital back to work. Monthly factor rates are as low as 1.5%.

On-Demand Accessibility

Novo Funding is designed to be there when you need it. You have the freedom to draw any amount of funds from your limit based on your business requirements. Once you complete the repayment, your Available Funding is replenished, allowing you to access funds again as needed. Enjoy peace of mind and control over your finances.

Novo Funding offers small businesses a reliable and efficient way to access working capital. Whether you've been rejected by traditional banks, haven't considered financing options before, or simply seek greater convenience and speed, we’re here to support you. With its user-friendly application process, fast approval, instant access to funds, and flexible repayment options, Novo Funding empowers small businesses to fuel growth, make smart decisions, and achieve their ambitions. Take the next step with Novo Funding and unlock the potential of your business today.

The Merchant Cash Advance is provided by Novo Funding LLC, PO Box 311092, Miami, FL 33231. Novo is the marketing name for Novo Platform Inc. and its subsidiaries and affiliates. Novo Funding LLC is a wholly owned subsidiary of Novo Platform Inc. Merchant Cash Advance products and services are offered by Novo Funding LLC and not by Middlesex Federal Savings, F.A. The information and materials contained on this website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final Novo determination and acceptance.

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July 24, 2023
About Novo

All-in-one money management

Take your business to new heights with faster cash flow and clear financial insights —all with a free Novo account. Apply in 10 minutes.