The bridge between where your business is and where it's going.
Northbridge Fund provides working capital to established businesses that outgrew their bank's timeline. Straightforward terms, an in-house underwriting team, and funds that hit your account in as little as two business days.
Built for businesses the banks made wait too long.
We work with established, revenue-generating businesses across nearly every industry — not startups, not shell companies. If you're running a real operation with real customers, we can likely help.
Retail & E-Commerce
Storefronts and online sellers managing inventory cycles and seasonal cash flow.
Restaurants & Hospitality
Capital for renovations, staffing, and equipment between busy seasons.
Healthcare & Medical Practices
Funding that works around insurance receivables and A/R timing.
Construction & Trades
Bridge the gap between materials, payroll, and project payouts.
Transportation & Logistics
Keep fleets moving with capital for fuel, repairs, and expansion.
Professional Services
Smooth out uneven billing cycles without touching your credit line.
Manufacturing & Wholesale
Cover production runs and purchase orders before payment lands.
Auto Services
Parts, equipment, and bay expansion funded on your timeline.
Four steps. Most businesses are funded by day three.
No stacks of paperwork, no waiting on a loan committee that meets once a month.
Apply in minutes
Tell us about your business and upload a few months of bank statements. Takes about five minutes.
Meet your underwriter
A dedicated underwriter — not a call center script — reviews your file and reaches out directly.
Review your offer
See your terms in plain language before you sign anything. Ask questions, negotiate structure.
Funds hit your account
Once approved, most businesses see funds within two business days.
A capital partner, not a call center.
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In-house underwriting
Your file is reviewed by our own team, so decisions are faster and terms are set by the people who fund you — not a broker shopping your deal around.
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Transparent terms
Every offer spells out total cost, remittance amount, and term length in plain language — no buried fees.
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A dedicated point of contact
You get a direct line to the person managing your account — not a rotating queue of representatives.
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Built for renewal, not just one deal
Most of our clients come back for a second or third round of funding as their business grows.
"Our bank wanted six weeks and a business plan just to talk. Northbridge had an offer on my desk in a day, and it was actually the terms they described upfront."Owner, Regional Auto Repair GroupFunded through Northbridge, 2025
Business owners who bridged the gap.
"We needed to make payroll and restock before a big contract paid out. Northbridge understood the timing problem immediately — nobody else did."
"The offer matched exactly what my underwriter told me on the phone. No surprise fees when the contract showed up, which is more than I can say for our last funder."
"This was our third round with them. Each time the process got faster because they already knew our business."
Straight answers before you apply.
Credit is one factor among several. We weigh business revenue, time in operation, and cash flow consistency alongside your credit profile — a lower score doesn't automatically disqualify you.
Most applicants receive a decision within 24 hours of submitting complete documentation, and funds typically arrive within two business days of signing.
Payroll, inventory, equipment, renovations, marketing, tax obligations, or bridging a gap between invoicing and payment — the funds are yours to direct.
No. Depending on the product, this is a purchase of future receivables or a term-based advance, structured differently from a bank installment loan. Your underwriter will walk through the exact structure and total cost before you sign.
Initial applications typically use a soft pull that does not affect your score. We'll always tell you before running anything that could.
Yes — we fund established businesses across the United States. Our team is based in Asheville, NC, but our reach is national.
Tell us about your business.
Submitting your application takes about five minutes and doesn't affect your credit. An underwriter will follow up directly — no call center, no runaround.
- No cost or obligation to apply
- Decisions typically within 24 hours
- A real underwriter reviews every file
Application received.
An underwriter will reach out shortly — usually within one business day. Need to talk sooner? Call 866-558-2609.