NMI®, a global leader in embedded payments infrastructure, today announced the expansion of NMI Business Capital with new term loans and starter offers, giving ISOs, software companies and SaaS platforms more ways to help their merchants access business financing.

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NMI expands Business Capital, furthering its mission to help small businesses access the funding they need to grow and succeed. (Image: NMI)

NMI expands Business Capital, furthering its mission to help small businesses access the funding they need to grow and succeed. (Image: NMI)

The expansion reflects NMI’s focus on helping small businesses get the funding they need to be successful. For many merchants, that need comes at a very specific moment: stock needs to be ordered ahead of a busy season, equipment needs replacing, an unexpected expense hits cash flow, or an opportunity arises to hire, expand or invest in growth. Accessing financing through traditional channels can mean a separate application process, lengthy approval times and uncertainty over whether funding will be available when it is actually needed. Business Capital gives eligible merchants a simpler way to access financing through the platforms they already use to run their business.

The new financing options extend that support to a broader range of businesses. Term loans are designed for more established merchants that may need larger amounts of capital and prefer predictable monthly repayments. Starter offers provide a route to funding for newer businesses, including merchants with limited credit history. The financing available to each eligible merchant is determined through the underwriting process based on their business. Demand for Business Capital has continued to grow since launch. Nearly 90% of merchants* who repaid their loan and remained eligible have gone on to take additional funding, showing continued demand from businesses that have already used the service.

For NMI partners, Business Capital provides a way to offer merchant financing without having to build and manage their own lending program or take on underwriting, servicing or compliance responsibilities. It also gives partners another way to support their merchants, strengthen relationships and generate incremental revenue.

Jaron Ruckman, Product Manager at NMI, said:

“Small businesses need different types of support at different stages of their growth. Our goal with Business Capital is to help more of them access the funding they need to build successful businesses, while making it simple for our partners to offer that support. By adding term loans and starter offers, we can help partners serve a much broader range of merchants, from newer businesses getting established to more mature businesses looking to invest and grow, without asking partners to take on the complexity of running a lending program themselves.”

Eric Aynbund, Director of Operations at BAMS, said:

“For small businesses, timing matters. The need for funding can come up quickly, whether that’s managing cash flow, replacing equipment or taking advantage of a growth opportunity. NMI Business Capital gives us a simple way to connect our merchants with financing through a platform they already know and use. With more financing options available, we can now support a wider range of businesses and help them access capital when they need it.”

NMI Business Capital is powered by Parafin, a leading provider of embedded business financing solutions for platforms and marketplaces.

To learn more about NMI Business Capital, visit https://www.nmi.com/products/merchant-central/business-capital/

About NMI

NMI is powering the next era of embedded payments. Processing close to $700 billion annually, NMI gives SaaS platforms, ISOs, banks and fintech innovators the modular, white-label payments infrastructure to accept, manage, price and move money through one platform.

Built for partners that want flexibility and control, NMI brings together its industry-leading gateway technology, omnichannel acceptance, merchant onboarding, underwriting, risk and compliance, A2A payments, payouts and AI-powered pricing intelligence. From no-code simplicity to full-control APIs, NMI helps partners move faster, scale smarter and deliver better experiences to their merchants and customers, turning payments into a strategic advantage.

More than 6,000 technology partners trust NMI to power seamless payment experiences for over 1.2 million merchants across online, in-app, in-store, mobile and unattended environments. However businesses want to build the future of commerce, they can build it with NMI. Learn more at nmi.com.

All loans are issued by Celtic Bank. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Bank transfers are subject to review.

* Based on NMI’s first-party data as of 2026

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