Merchant Cash Advance

Get working capital for your business with NPS. Unlike traditional loans, a Merchant Cash Advance has no fixed payments, no time-frame and zero interest rates.


Small business loans are not ideal for companies that have variations in monthly revenue that might make the fixed monthly payments associated with traditional business financing impractical or even impossible. NPS uses a dynamic payment schedule that changes based on the monthly sales figures. Unlike traditional small business loans, NP’ business financing payments decrease in proportion to your sales, making slower months easier to manage.

Unlike traditional business financing or small business loans, NPS’ Merchant Cash Advance program features a higher approval rate, variable payment schedule, and funding within a week. To qualify for NPS’ Merchant Cash Advance business financing your business only needs to have been operating for more than one year, be currently accepting credit card transactions, and has an average monthly credit card sales total of $3,000 or higher.

NPS’ Merchant Cash Advance program is a preferable alternative to traditional business loans or business financing through a bank. Instead of securing your business loans through assets, you receive capital in exchange for a percentage of your future credit card transactions. Instead of fixed (as with most business loans), your payments remain proportionate to your transactions until the funding has been repaid. Unlike traditional small business loans, this type of business financing has no fixed repayment time and is completely automated through your daily credit card sales.