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GREENBIRD CAPITAL

Two ways to fund your business.

A 12-month 0% APR working capital loan exclusively for our payment processing customers, or standard business term loans from $100K to $10M for established businesses. Approved in 24 hours.

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Pick the product that fits your business.

FEATURED · REQUIRES GREENBIRD PROCESSING

12-Month 0% APR Working Capital Loan

Working capital at zero cost — available exclusively to businesses that process payments through GreenBird. Switch your processing to us and unlock the loan in the same conversation.

  • 12-month term, 0% APR
  • Up to one month of your processing volume
  • Repaid automatically from your daily processing
  • Approval within 24 hours
Apply for 0% APR

Business Capital Term Loan

For established businesses needing larger working capital. Standard term loans, no processing requirement.

  • $100,000 to $10,000,000
  • Terms up to 24 months
  • Weekly, bi-weekly, or monthly repayment
  • Approval within 24 hours, same-day funding possible
Apply for Business Capital

How it works

01
Apply in under 5 minutes

Single form. Select the product that fits — we route the rest.

02
Underwriting review — within 24 hours

Our underwriting team evaluates your application. No hard credit pulls during qualification.

03
Funds in your account

Same-day funding is possible once approved. For 0% APR, repayment is automatic from processing. For Business Capital, choose weekly, bi-weekly, or monthly.

Who qualifies

For 0% APR Working Capital Loan

  • Active GreenBird processing merchant (or switching to us)
  • Minimum 3 months of processing history
  • Minimum 51% business ownership
  • Personal credit score of 650+
  • Subject to underwriting review

For Business Capital Term Loan

  • Minimum $100,000 loan amount
  • Minimum 51% business ownership
  • Personal credit score of 650+
  • 3 months of business bank statements (or Plaid bank verification)
  • Subject to underwriting review

Frequently asked questions

What's the difference between the two products?
The 12-month 0% APR loan is available exclusively to businesses that process payments through GreenBird — it is not a standalone loan product. The amount is up to one month of your processing volume, repaid automatically from your daily processing. Business Capital is a separate standard term loan from $100K to $10M for any qualifying business — no processing requirement, regular interest rate, weekly/bi-weekly/monthly repayment over up to 24 months. Apply for either through the same form.
How do I qualify for the 0% APR?
Process your payments through GreenBird. The 0% APR loan is exclusively available to merchants on our processing platform — it is not offered as a standalone product. If you're not yet a GreenBird merchant, your application starts both conversations: switching your processing to us AND qualifying for the loan happen together.
What if I'm not yet a GreenBird merchant?
Apply anyway — we'll walk you through switching your processing to GreenBird. The 0% APR loan and processing setup are bundled: you become a GreenBird processing customer and unlock the loan in the same conversation. Most merchants save on processing fees AND get the working capital in one move.
Can I apply for Business Capital without processing with GreenBird?
Yes. Business Capital is a standard term loan from $100K to $10M and has no processing requirement. Our underwriting evaluates your business cash flow, time in business, industry, and credit.
How fast is approval?
Approval decision within 24 hours of completed application. Funds disbursed same-day in many cases via e-sign + wire process.
What documents do I need?
Basic business information, 3 months of business bank statements (or Plaid bank verification), and confirmation of 51% ownership. We collect what we need during your application call.
What can I use the funds for?
Any business purpose: equipment, inventory, payroll, marketing, expansion. No restrictions on use.
What's the repayment structure?
For the 0% APR loan, repayment is automatic via daily holdback from your GreenBird processing — no separate bills, no interest. For Business Capital, you choose weekly, bi-weekly, or monthly fixed payments over the term you select (up to 24 months).
What if I switch processors during the term?
This applies specifically to the 12-month 0% APR loan. Because that loan is tied to your processing relationship with us, if you switch processors during the term the remaining balance becomes due. As long as you continue processing with GreenBird, repayment stays automatic from your daily volume. Business Capital term loans are not affected by processor changes.

Apply for Capital

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GreenBird Capital is a brokerage offering provided by GreenBird Payment Solutions, an independent payment processing brokerage. Working capital loans and business term loans are funded by our network of licensed lender partners. The 12-month 0% APR working capital loan and Business Capital term loans are currently offered through our lender partner altbanq (California Financing Law License #60DBO-178699). All applications, approvals, loan amounts, and final terms are subject to lender underwriting and applicable state and federal regulations. The 12-month 0% APR loan is available exclusively to merchants who process payments through GreenBird; it is not offered as a standalone loan product. Business Capital term loans range from $100,000 to $10,000,000 with terms up to 24 months and are available to qualifying businesses regardless of processing relationship. Specific terms, rates, and conditions disclosed prior to loan agreement signing.

Apply for Capital