Working capital, priced on what your card sales show.
Your settlement history does the talking — no guesswork premium priced in. About half the cost of a broker-sourced advance, delivered as a slice of daily settlement — not from your bank account.
The terms, plainly
An advance is a purchase: we buy a fixed amount of your future card sales at a discount, and you deliver them as a slice of each day's settlement.
Bands are Lombard's current pricing policy, read live from the platform. Your offer states your exact numbers, with the full required disclosure and a worked example, before you sign.
See what your volume supports
Move the slider. The estimate comes straight from Lombard's pricing — the same numbers the application uses.
Why a broker-sourced advance costs about twice as much
A broker-sourced advance carries the whole chain: the broker's commission is priced into your factor, and funders charge a premium on broker paper because its losses run far higher than deals they can see. Lombard funds you directly, and remittance comes out of settlement before it ever reaches a bank account — losses stay low, and the price follows.
Against a broker-sourced advance
Every line is structural, not promotional — it's how the product is built.
| Lombard | Broker-sourced 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 |
| Finish early | No prepayment penalty — never costs more | Often penalised, or the fixed payback simply continues |
| Charges during the term | Every charge in the agreement before you sign — nothing added later | Fees appear as you go |
| Cost disclosure | Dollars in, dollars out and the difference — before you sign, in every state | Only where the law forces it |
Who this is for
- 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
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.