The card processor that funds your business — directly.
No broker shopping your file, no commission baked into your rate. Funding at about half the cost of a broker-sourced advance, delivered from your card sales — not from your bank account.
| Time | Card | Entry | Amount | Fee | Eff. |
|---|---|---|---|---|---|
| 9:12a | Visa •4421 | Tap | $18.40 | $0.48 | 2.6% |
| 9:47a | Mc •8810 | Chip | $64.15 | $1.67 | 2.6% |
| 10:03a | Visa •2296 | Keyed ⚠ | $148.00 | $4.59 | 3.1% |
| 11:31a | Amex •1005 | Tap | $41.30 | $1.24 | 3.0% |
| 12:18p | Visa •7752 | Tap | $22.75 | $0.59 | 2.6% |
| 1:02p | Debit •3319 | Chip | $96.20 | $1.15 | 1.2% |
| + 41 more transactions | |||||
Gross
$2,412.80
Fees
−$67.30
Remittance
−$289.54
Deposit
$2,055.96
Settlement data is published the business day after it settles, and can take up to three days for your processor to finalise fees.
Built so the horror stories can't happen
Four of the ten commitments every advance carries — in writing, with every change published.
All ten commitments →The same money, without the harm
Every line below is structural, not promotional — it's how the product is built.
| Lombard | Typical broker advance | |
|---|---|---|
| Factor rate (what you deliver per $1 advanced) | Published as a range — see your offer | commonly 1.35–1.65, plus origination fees on top |
| How it's collected | A percentage of card settlement, before deposit | Fixed daily debit from your bank account |
| When sales slow down | Remittance shrinks automatically | Same debit regardless; true-up only if you ask, and rarely honored |
| Personal guarantee | Fraud and misrepresentation only | Full — the business fails, you owe personally |
| Can you be stacked? | No — one advance, one processor | Yes, and stacking is common |
Four steps, no paperwork marathon
Apply
One page — your numbers, your business, how to reach you. About three minutes, no documents, and no SSN to browse an offer.
Connect your bank
A read-only bank connection through Plaid — about two minutes, no statements to hunt down, no PDFs. Your real revenue verifies itself, and qualifying applications are approved automatically. Your offer arrives in minutes, not days.
Switch your processing
We handle the switch to Lombard — typically about a business day, with terminals supplied where you need them. Equipment is yours to buy outright or to lease to own through Lombard Pay; either way the amount and terms are in writing before you sign. This is the trade that makes the funding cheap: remittance comes out of settlement, which keeps our losses — and your price — low.
Get funded
The advance lands in your account. From then on, a fixed percentage of each day's card settlement is deducted before deposit until the purchased amount is delivered. Slow week, smaller remittance — automatically.
Watch a decision happen.
No forms disappearing into a queue. Your settlement history is read, the decision is made, and the offer is real numbers — in minutes. Qualifying applications approve automatically; anything unusual goes to a human underwriter.
The factor range behind the sample is published on the funding page.
- 10:00
Application received
- 20:41
Bank connected, read-only
- 31:02
Revenue analysed
- 41:29
AI decision
- 51:47
Offer ready
Keyed sale · Visa •2296 · March 3, 10:03a
$148.00
Effective rate
3.1%
Fix: collect the billing ZIP when a card is keyed. This month, keyed sales without it cost $38.10 more than they had to.
The switch brings the rest with it
Processing isn't a separate pitch — it's the reason the funding can be this cheap. And it comes with a platform that shows you where every dollar of every sale went.
Card processing, plainly priced
Your processing runs through us — with pricing for your volume and card mix shown to you in writing before you sign anything.
A person who answers
Real human support from people who can actually fix things — not a ticket queue.
One relationship, both problems
The advance, the processing, and the numbers behind both — from one company. When something needs fixing there is one phone number, and no finger-pointing.
Who this is for
These are what we look for, not a test you can fail before you apply. We verify the real numbers from your bank — and if they come up short, or we can't read them clearly, a person looks at it rather than an automatic no. Switching your processing on its own stays open either way.
- At least $10,000 a month in card sales
- At least 6 months in business
- Card processing moves to Lombard — that is the trade that makes the price possible
- No other advances currently being remitted
See what you qualify for
Three minutes, no documents, no obligation — and the decision is real numbers.