Cash flow volatility is not the
exception. It’s the norm.
of small businesses report
regular cash flow disruptions*
For many SMBs, cash flow gaps show up at predictable moments: stocking up for busy periods, covering payroll, buying inventory or investing in growth. When capital is hard to access quickly, merchants delay decisions or look elsewhere.
Business Capital makes working capital available directly inside the portal merchants already use. That means less jumping between systems and a clearer, more consistent experience.
For partners, this means:
- Commission-based revenue with no upfront cost
- No underwriting, servicing or compliance burden
- Real-time visibility into adoption and performance
- Stronger merchant retention and engagement
For merchants, it means:
- Pre-approved offers based on processing history
- Funding typically within 1–2 business days after
acceptance and approval - Repayment that adjusts as a percentage of daily sales
- One transparent, fixed fee with no compounding interest or late charges
How Business Capital Works
Offer
Partners can enable Business Capital for eligible merchants directly within Merchant Central or the NMI Gateway. The experience is designed to be straightforward for merchants and operationally seamless for partners.
Pre-approved offers appear in the merchant portal
As soon as Business Capital is enabled, eligible merchants see a personalized, pre-approved offer directly in their portal and by email. Offer amounts are based on the merchant’s sales history and performance; there is no need for merchants to visit a bank or start a separate application process.
Simple application and fast decisioning
Merchants complete a short application within the portal. There are no traditional loan processes, lengthy paperwork or manual underwriting by the partner.
Approval is based on the merchant’s sales data and performance trends.
If the merchant accepts and is approved, funds are typically deposited into the merchant’s bank account within one to two business days.
Transparent pricing with one fixed fee
Each offer includes a fixed fee that is shown upfront. There is:
- No compounding interest
- No hidden charges
- No late fees
Merchants can see the total repayment amount before accepting the offer.
Automated repayment that follows daily sales
Repayment is automated and designed to flex with the merchant’s sales volume.
A fixed percentage of daily card sales is automatically applied toward repayment, which means:
- When sales are higher, repayment happens faster
- When sales are lower, repayment adjusts accordingly
- On days with no sales, no payment is collected
This structure helps merchants manage their day-to-day cash flow while steadily repaying the total amount owed.
One Solution. Multiple Entry Points
Enable through Merchant Central
- A good fit for partners using Merchant Central to manage onboarding and portfolio operations
- Enable Business Capital within Merchant Central
- Eligible merchants receive offers inside their portal and via email
- Track adoption, performance and commissions with built-in reporting
Enable through
NMI Gateway
- A good fit for partners who want to offer capital through their NMI-powered merchant experience
- Enable Business Capital through NMI Gateway
- Eligible merchants receive offers inside their portal and via email
- Track adoption and performance with built-in reporting and receive commission statements
A Simple Capital Solution
Pre-approved offers based on sales history
-
Transparent, fixed-fee pricing
-
Automated repayment aligned to daily sales
-
Fully managed underwriting and servicing
-
Commission for partners on funded loans
Designed for operational simplicity
Business Capital is set up to minimize day-to-day effort. Partners can enable the program and monitor results without building new lending workflows.
- No underwriting exposure
- No servicing or collections responsibilities
- No additional compliance infrastructure required
- Real-time reporting on funding activity and commission summaries
Capital becomes an extension of your merchant management strategy without adding operational complexity.
Strengthen retention and increase lifetime value
Access to capital can be a turning point for merchants. By offering funding within the same platform they already use to process payments, partners deepen the relationship and increase platform stickiness.
Business Capital helps partners:
- Improve merchant retention and engagement
- Stay competitive with providers offering embedded finance
- Add a new revenue stream alongside payments
Built for modern merchant portfolios
Business Capital is particularly relevant for merchants that:
- Process consistent card volume
- Experience seasonal swings
- Need funding for inventory, payroll, marketing or expansion
- Operate in verticals like retail, hospitality, e-commerce, subscription, digital services and vertical SaaS-driven environments
Because offers are based on processing data, the solution scales naturally across growing portfolios.
With Business Capital, ISOs and software platforms can offer embedded financing that supports merchant expansion while unlocking passive revenue and increasing platform stickiness.
Activate Business Capital and transform merchant data into a growth opportunity.
https://www.asbn.com/articles/88-of-u-s-small-businesses-face-cash-flow-disruptions-report-finds/
