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National Business Capital Small Business Loans Review

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National Business Capital is a small business financing company founded in 2007. Their free, streamlined application process works to connect applicants with one of their 75+ lenders to help your business borrow money, as quickly as possible, from any one of their many business financing options.
 
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How is National Business Capital rated?

Breakdown

Overall Rating: 0 / 5 (N/A)

A large network of lenders and a highly-praised team of advisors make National Business Capital a viable alternative for business owners in search of loan options.

Their services range from business term loans to equipment financing options and everything in between, which means that there's a little bit of everything for all types of business owners in any industry. On top of that, they also claim that you can have a loan approved and funded in as little as a few hours, a claim which is partially validated by several positive customer reviews on Trustpilot and BBB.

Their large network of lenders and broad range of services mean that their rates and minimum requirements will vary greatly based upon your individual situation.

National Business Capital is a good option if you're in need of specialists to guide you through the entire loan application process, although it is always recommended that you research terms and fees for your specific loan type so that you are better able to discuss your options with their advisors.

Loan Options

Available Loan Types

SBA Loans
Revenue-based Financing
Equipment Funding
Working Capital Loans
Term Loans
Lines of Credit
Invoice Financing
Merchant Cash Advances
Equipment Loans

SBA Loans

Min. Loan Amount
$100,000
Max Loan Amount
$5,000,000
Min Term Length
10 years
Max Term Length
25 years

Term Loans

Min Loan Amount
$100,000
Max Loan Amount
$10,000,000
Min Term Length
6 months
Max Term Length
120 months

Business Lines of Credit

Min Loan Amount
$100,000
Max Loan Amount
$10,000,000
Min Term Length
6 months
Max Term Length
120 months

Invoice Financing

Min Loan Amount
$100,000
Max Loan Amount
$10,000,000
Loan Amount

Merchant Cash Advance

Min Loan Amount
$100,000
Max Loan Amount
$10,000,000

Equipment Loans

Min Loan Amount
$100,000
Max Loan Amount
$10,000,000
Min Term Length
12 months
Max Term Length
60 months

Loan Options - 0 / 5

National Business Capital boasts a network of over 75 lenders, and as such, offers a broad range of small business loan and service options.

Their range of services is paired with their claim to help businesses find all the financing they qualify for, making them a versatile option for small business owners looking for anything from lines of credit to franchise financing. Additionally, they claim to have loan approval times that can be as short as a few hours, a claim that is backed up by a large amount of positive customer feedback.

They do, however, have minimum credit requirements for some of their services, although they state that their credit inquiries will not impact your credit score should they be required.

As a general rule, their advertised minimum loan amounts are $100,000 for most loan types, although the calculator tools that they offer on their website can go as low as $5,000, and they can lend past $10 million, so keep this detail in mind to avoid potential miscommunications.

National Business Capital Rates & Fees

Average Rates & Fees - 0 / 5

National Business Capital offers several different small business loan options and therefore their rates vary depending on the type of loan requested.

One should keep in mind that they are a marketplace with over 75 different lenders, and as such, rates and fees can vary drastically from one to the other.

Application & Qualifications

Online Application
Approval Time
Hours to Days
Funding Time
Hours to Days
Min. Years In Business
1 year(s)
Min. Annual Revenue
$500,000

Application Requirements - 0 / 5

National Business Capital has variable and flexible application requirements, depending on the type of loan requested.

In terms of minimum operating time, they generally require over 1 year in business except for purchase order financing, which has no minimum requirement, and SBA loans, which require 2+ years.

They advertise general approval and funding times of hours to days, with the longest specified amount being 90 days for their commercial mortgage financing option.

National Business Capital Reputation

Customer Feedback

Trustpilot Score
5.0 out of 5
BBB Rating
A+
Date Collected
2023-02-07

Consumer Education - 0 / 5

In terms of overall customer satisfaction, National Business Capital holds a higher than average Trustpilot score of 5 (Excellent) as well as a BBB accreditation and rating of A+.

Although it only has a handful of reviews on the BBB website, they are largely positive, focusing on the quality of the service and the loan application process. Their Trustpilot reviews tell a similar story, focused mainly on the helpfulness and personal service of the company's employees, as well as their prompt handling of the application process.

Contact & Additional Information

Homepage URL
https://www.nationalbusinesscapital.com
Company Phone
(888) 488-4769
Headquarters Address
80 Arkay Dr Suite 215, Hauppauge, NY, 11788

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Top Rated
Our Partner

Applying won’t affect credit score

  • Loan Amounts: $5,000 to $250,000
  • Average Yearly Revenue requirements: $100,000
  • Minimum Credit Score: 625 FICO
  • Minimum Time in Business to apply: 1 year
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