Novo Merchant Cash Advance

The unsung hero of last-minute financing

Unlock instant cash when you need it most with simple, transparent fees — available now for prequalified Novo customers.
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Novo Funding helps you move quickly and simply

Minimal paperwork, maximum speed

Since Novo Funding is only available to prequalified customers, the application is nearly effortless — allowing you to access cash instantly. 

Pay only for what you use

Draw funds when you need them and pay only for what you use, keeping your cash flow under control.

Clear costs. Fast cash.

What you see is what you pay. Simple, transparent fees let you decide quickly and receive funds instantly.

Easily see what’s due and when

Each draw is designed to be settled over six months, and your dashboard shows exactly what’s due and when.

See how others are using Novo Funding

With Novo Funding’s simple access to quick cash, you can quickly hop on new opportunities, and weather unexpected storms. 
Dominique
Engaged Minds Academy
Cash-flow was a constant stress. Deposits often came in a day late while expenses hit immediately, which made planning harder while I was still refining invoicing and operations. Novo gave me the cushion to cover expenses and invest in marketing and backend improvements without worrying about deposit timing
CUSTOMER SINCE 2021
Cara
Divine Brow Bar
Novo has been amazing for my small business. They have helped me with funding moving me from a studio to my own location. Their customer service has always been amazing! I recommend them to all my small business friends!
CUSTOMER SINCE 2021
Wena
Realty Club 74, LLC
I love NOVO! The feature I most appreciate as a small business owner is the Novo Funding perk. It is so simple and easy to use and help you make payments while waiting for funds to arrive in your account.
CUSTOMER SINCE 2021

How Novo Funding compares to a traditional business loan

Novo funding

Traditional business loan

Approval speed

Near instantaneous after applying

Days to weeks

Repayment timeline

Repaid over a six month period

Highly variable

Fee transparency

Clear and upfront;
no hidden fees

Can include hidden fees and penalties

Best for

Quick, immediate cash on hand

Planned long-term growth

Give your business the power to adapt with Novo Funding

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Novo is a fintech, not a bank. Banking services provided by Middlesex Federal Savings, F.A. Member FDIC.