National Business Capital loans review
- Min. Amount
- $100,000
- Max. Amount
- $10,000,000
- APR
- Starting at 1.5%
Our verdict
Browse a variety of financing options through 75+ lenders.
National Business Capital is a good option for businesses that struggle to find traditional financing. The lenders in its network offer a wide variety of loan options. And there are no restrictions on industry: Businesses involved in cannabis and other high-risk fields may still qualify for funding.
Your business needs to meet a high annual revenue requirement of $500,000 for most business loans. Plus, because of the amount of options available, APR and other important loan information isn't available on the website. You'll need to fill out its online form and see what lender you're connected with before you know how much it might cost.
For a full range of options, you can compare more lenders using our table.
Pros
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No restriction on industry
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Specialized funding for cannabis-based businesses
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Quick turnaround of one to three business days
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Large suite of additional business services
Cons
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High annual sales requirement of $500,000
Details
Product details
| Min. Amount | $100,000 |
| Max. Amount | $10,000,000 |
| Loan term | 6 to 120 months |
| Min. Credit Score | 700 |
| APR | Starting at 1.5% |
| Requirements | 700+ FICO score, 1+ Year in Business, $500,000 in Annual Revenue |
Is National Business Capital legit?
Yes, National Business Capital is a legit connection service. While it shares your information with its lending partners — a necessary practice to connect you with a lender — it has a clear privacy policy that outlines how your information is used.
Its website is secure, and it doesn’t ask for any sensitive information with its contact form. It’s also a member of the Small Business Finance Association, an industry organization that helps small businesses and lenders work together.
How much will this loan cost me?
The cost of your loan depends on the lender you’re connected with and the type of loan you choose. Its lenders offer loans of $100,000 to $10,000,000 or more, and terms range anywhere from 6 months to 10 years. National Business Capital states that APRs start at 1.5%. However, to know what your business might pay, you’ll need to fill out its online form to receive a quote from a lender.
You can estimate your potential monthly repayments with one of National Business Capital’s lenders by using the calculator below.
Business loan calculator
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How does pricing work?
The rate you receive — along with your loan amount and loan terms — depends on your business. While National Business Capital has low minimum credit requirements, to get the best rates and highest loan amounts, your business needs to be at least one year old and have a monthly revenue that can handle repayments.
What do I need to qualify?
National Business Capital doesn’t have a minimum credit score requirement, but your business needs to meet these two requirements to be connected to a lender:
- 1+ in business, 4+ months in business for equipment and revenue-based financing
- Annual sales of at least $500,000.
What information do I need to sign up?
When you fill out National Business Capital’s online form, you need to provide this basic information to be connected with a lender:
- Name and contact information
- Personal credit score range
- Time in business
- Gross annual sales
- Industry
Your lender may require you to submit additional information or proof of income when you complete a full application.
What industries does National Business Capital work with?
The lenders in National Business Capital’s network accept businesses in every industry, including cannabis.
What other types of financing does National Business Capital offer?
National Business Capital works with lenders offering a wide variety of funding options.
| Loan amount | Loan term | Minimum requirements | |
|---|---|---|---|
| Business lines of credit | $100,000 to $5 million | 6 months to 3 years |
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| Equipment financing | $10,000 to $5 million | 1 to 5 years |
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| SBA Loan | $50,000 to $5 million | 10 to 25 years |
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| Revenue-based financing | Based on sales, up to $5 million | No set repayment period |
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See other top business loan options
If you’re not sure about National Business Capital, compare your options by selecting your annual revenue, time in business and personal credit score.
National Business Capital reviews and complaints
| BBB accredited | Yes |
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| BBB rating | A+ |
| Trustpilot Score | 5 out of 5 stars, based on 2,423 customer reviews |
| Customer reviews verified as of | 22 August 2023 |
National Business Capital receives high praise from customers — which is unusual for a connection service. Many reviewers are pleased with the speed and customer service.
How do I fill out the online form?
National Business Capital has a simple one-page form to help you get started.
- Visit National Business Capital’s website and click Explore Your Options.
- Enter information about yourself and your business, including your industry, time in business and annual sales.
- Review National Business Capital’s terms and submit the online form.
What happens after I submit my information?
A representative from National Business Capital will contact you by phone or email to verify your information. You may be connected to one or more lenders to finalize your application. If approved, funding may be available within one to three business days.
How do repayments work with National Business Capital?
You won’t make repayments through National Business Capital. Instead, consult your loan agreement or reach out to your lender to discuss repayment options.
National Business Capital offers a wide variety of services and loan options. Before you sign up, read more about business loans to ensure you’re picking the right option for your business.
National Business Capital business loans is not currently available on Finder
Have you considered Lendio business loans?
Submit one simple application to potentially get offers from a network of over 75 legit business lenders.
- Large network of 75+ lenders
- Quick online application
- Funding as quick as 24 hours
- Required time in business: 6 months
- Required monthly revenue: $20k
- Min credit score: 550
Your reviews
Anna Finder
Editor
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