Cash flow positive

Get immediate access to funds and flexible repayment options with Novo, helping you bridge cash flow gaps and breathe easier when business gets bumpy.

Get started

Instantly access working capital

Use what you need, as you need it

Apply risk-free

When cash flow’s tight, we’ve got you covered

Get up to $10,000 to manage your cash flow the way you want. With Novo's flexible cash advances, you have no restrictions on how to use the funds, and you only pay fees on what you actually use.

Instantly available to transfer into your Novo checking account

Revolving access renewed with each monthly repayment

Clear 6-month repayment plan, with early settlement option

Flexible cash, always at the ready

With Novo Funding, cash is immediately available in your Novo checking account. Handle repayments seamlessly, with complete freedom over how you use your funds.

Predictable cash flow, at last

With Invoice Flex, late payments are a thing of the past. Get paid up front on eligible invoices—up to 100% of your invoice—within one business day, so you can rest easy knowing your cash flow is always under control.

Get back in the black

Move confidently from cash flow crunches to a stronger financial position. Novo’s funding solutions keep cash flow steady when times are tight, and Novo’s Bookkeeping shows you exactly where you stand.

Novo is a fintech, not a bank. Banking services provided by Middlesex Federal Savings, F.A. Member FDIC.