Credit Card Split Funding
Turn tomorrow's card sales into today's cash. Get an advance repaid as a small split of each day's card batch — no fixed payment, no stress on slow weeks.
- ✓$25K–$1M advances
- ✓Funded in 24 hours
- ✓FICO 500+ OK
- ✓No fixed payments
How Credit Card Split Funding Works
Credit card split funding advances you cash against your future card sales. Instead of a fixed daily debit from your bank account, your card processor automatically "splits" a small agreed percentage of each settlement batch and sends it toward your balance. Sell more, pay it down faster. Have a slow day, pay less. It's the most cash-flow-friendly way to borrow against your revenue.
Program Highlights
- Advances from $25,000 to $1,000,000
- Funded in as little as 24 hours
- Repayment flexes with your actual card sales
- FICO down to 500 accepted — underwritten on card volume
- Works with all major processors — no need to switch
- No collateral, no prepayment penalty
Who It's Built For
Restaurants, retail shops, salons, auto repair, liquor stores and any business with steady card volume. If most of your revenue runs through a card terminal, split funding is often the fastest and easiest capital you'll ever access — approvals are based on your processing statements, not your tax returns.
Split Funding vs. a Bank Loan
Banks want two years of tax returns, strong credit and weeks of underwriting. Split funding needs 3–4 months of processing statements and a one-page application, with decisions the same day. The trade-off is a higher cost of capital — which is why many owners use split funding for fast opportunities and emergencies, then graduate to bank term loans or an SBA loan as their profile strengthens.
Carrying stacked advances already? Read: MCA Debt Relief: How to Consolidate Merchant Cash Advances
Frequently asked questions
- What is credit card split funding?
- Credit card split funding (also called split funding or a credit card split advance) is an advance against your future credit and debit card sales. You receive a lump sum today, and your card processor automatically sends a small agreed percentage of each day's batch to repay it — so payments shrink on slow days and grow on busy ones.
- How is split funding different from a merchant cash advance?
- Split funding is a type of merchant cash advance where repayment happens directly through your card processor as a 'split' of each settlement batch, rather than a fixed daily ACH debit from your bank account. Because it's tied to actual card sales, there's no fixed payment that can overdraw your account on a slow week.
- Can I qualify with bad credit?
- Yes. Split funding is underwritten primarily on your card processing volume, not your personal credit. Northwood approves FICO scores as low as 500 when your monthly card sales support the advance.
- How fast can I get funded?
- Most split funding applications are approved the same day and funded within 24 hours of signed documents. We work with all major card processors, so there's usually no need to switch providers.
- What do I need to apply?
- Typically 3–4 months of card processing statements and business bank statements, plus a simple one-page application. Time in business of 6+ months and $10,000+ in monthly card sales are common baselines.
Get an Advance Against Your Card Sales.
Same-day decisions. Funded in 24 hours. Soft pull only — no impact to your credit.
- ✓ $25K–$5M available
- ✓ Funded in 2–5 business days
- ✓ All credit profiles considered
- ✓ No upfront fees, no prepayment penalties