Funding options, explained without the jargon fog.

Every file starts with how you will use the money and how repayment has to fit a real month. Novo Funding is not a bank; we help you evaluate partner programs. Nothing on this page is an offer of credit.

Working capital

Use working capital when the business is sound but cash is tied up in receivables, inventory, or a slow season. Typical uses include payroll, supplier deposits, and marketing that has to happen before revenue shows up.

• Sized with an eye on deposits and sales, not only a personal credit score
• Clear discussion of daily or weekly repayment if that is how a partner structures it
• Useful when a bank line would take longer than the opportunity

Equipment financing

When the asset should help pay for itself—trucks, shop equipment, build-out, technology—financing can keep operating cash in the operating account.

• Match term to useful life where the partner allows it
• Discuss down payment, title, and insurance requirements up front
• Compare lease-style and loan-style structures when both exist

Revenue-based options

Some businesses tell a better story through card volume or monthly sales than through tax returns that lag a year. Revenue-based and merchant programs can move faster; they also need a careful reading of the hold and the total cost.

• We walk through total payback, not only the headline advance
• Best suited to consistent card or deposit history
• Not a fit for every industry or every month of the year

Personal funding

Household timing is not the same as a commercial file. We discuss personal funding when someone needs a structured option and wants the same plain-language process we use with business clients.

• Use of funds and ability to repay come first
• Credit, income, and documentation requirements vary by partner
• We will say no if the structure looks harmful

To start a conversation, call (713) 240-9835 or write info@novofundingtx.net. Bring a rough amount, timing, and what the money is for.