Better than a credit line. Cheaper than a credit card.
Up to $500K you can spend on bills or using Nickel's debit card, without manual draw requests. Repay on your terms.
Up to $500K. To help you take on the biggest projects.
No draw request. It's your money. Spend it without manual approvals.
Spend easy. Pay bills on Nickel or spend with debit cards.
No credit check. Approval is based on your history on Nickel.
Ready before you need it
1. Activate Capital
Automatically qualify and see your rates in Nickel.
2. Spend
Use Capital to pay for bills or spend using cards.
3. Repay on schedule
Repay on a schedule or using incoming invoice payments.
4. Only pay for what you use
Never pay fees on Capital you don't use.
Terms your bank should have given you.
Fed prime rate plus pricing
You're never locked in. When rates change, we pass the savings onto you.
Flexible spending
No draw requests. Spend any time using Nickel's Bill Pay or debit cards.
Pay for only what you use
Tap as much or as little as you want, only pay interest on what you use.
Repay on your terms, whenever you are ready.
Pay down anytime. Set up a monthly autopay or pay down when you have the cashflow.
Withhold from payments. Nickel automatically pays down the balance from incoming payments.
One platform for all your cashflow needs.
Invoice Payments
Request upfront, deposits, and milestone payments on any invoice.
Payment Page
Launch payment page for any product or service with no code.
Auto Pay
Save bank or card details on file and auto charge customers without the wait.
Bill Pay
Pay any business or 1099 contractor globally with card, ACH, wire or check.
Vendor Onboarding
Collect and verify vendor bank, business and tax details with a secure link.
Integrations and API
Sync with Quickbooks Online, Desktop, CRMs and all major US banks.
Who qualifies for Capital?
Most US businesses on Nickel qualify automatically. Capital is underwritten from your Nickel transaction history, so there's no separate application or credit pull.
What does it cost?
Capital is priced at the Fed prime rate plus a custom rate based on your business. You only pay interest on what you draw — no monthly fees, no draw fees, no early-repayment penalties.
How do I repay?
Two options. Set up a monthly autopay, or have Nickel automatically withhold a portion of incoming payments to pay down your balance. You can switch between the two or prepay at any time.
How fast can I get funds?
Once qualified, Capital is available in your Nickel account immediately. Use it to pay bills or spend with a Nickel debit card.
Tap into capital, on your terms.
See your ROI and savings using our calculator
Savings calculator →See a demo. See how Nickel can improve your cashflow in 30 minutes.
Talk to our experts →