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National Business Capital loans review

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  • Best for newer businesses in high-risk industries.
  • Pick something else if you want transparent information about costs.


Min. Amount


Max. Amount


Product NameNational Business Capital business loans
Min. Amount$10,000
Max. Amount$5,000,000
Loan Term6 to 120 months
Min. Credit Score300
RequirementsIn business for 3+ months, $120,000+ in annual revenue, meet personal credit score standards

Expert review

Aliyyah Camp

Review by

Aliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors.

Expert review

National Business Capital is a good option for smaller businesses that have struggled 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 will need to meet a high annual revenue requirement of $120,000. Plus, APR and other important loan information isn’t available online — so 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 direct lenders using our table.

Is National Business Capital legit?

Yes, National Business Capital is a legit connection service. While it will share your information with its lending and marketing 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 will depend on the lender you're connected with. Its lenders offer loans of $10,000 to $5 million, and terms range anywhere from six months to 10 years. However, National Business Capital doesn't provide any information on APR. To know what your business might pay, you'll need to fill out its online form to receive a quote from a lender.

However, you can estimate your potential monthly repayments with one of National Business Capital's lenders by using the calculator below.

Business loan calculator

See how much you'll pay

Your loan
Loan amount
Loan terms (in years)
Interest rate
$ %

Fill out the form and click on “Calculate” to see your estimated monthly payment.


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Based on your loan terms…

You can expect to pay back $ per month

This breaks down to…

$ in principal and $ in interest charged Compare business loans now

How does pricing work?

The rate you receive — along with your loan amount and loan terms — will depend on your business. While National Business Capital has low minimum credit requirements, to get the best rates and highest loan amounts, your business will need 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 will need to meet these two requirements to be connected to a lender:

  • 3 or more months in business
  • Annual sales of at least $120,000

What information do I need to sign up?

When you fill out National Business Capital's online form, you will need to provide some 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. However, businesses that work with cannabis will need to meet a more strict minimum time in business requirement of one year.

What other types of financing does National Business Capital offer?

National Business Capital works with lenders offering a wide variety of funding options.

Business lines of credit

$10,000 to $5 million

6 months to 10 years

  • 3+ months in business
  • Annual sales of $120,000+

Equipment financing

$10,000 to $5 million

1 to 5 years

  • Annual sales of $120,000+ or 650+ FICO credit score

Hybridge SBA Loan

$50,000 to $5 million

10 to 25 years

  • 2+ years in business
  • Annual sales of $120,000+
  • 685+ FICO credit score

Performance Advance

Based on daily sales

No set repayment period

  • 3+ Months in Business

SBA loans

$10,000 to $5 million

10 to 25 years

  • 2+ years in business
  • Annual sales of $100,000+
  • 685+ FICO credit score

Invoice factoring

$10,000 to $5 million

6 months to 10 years

  • 6+ months in business
  • Monthly invoices of $40,000+

Pros and cons

Consider these factors before filling out National Business Capital’s online form:


  • No restriction on industry
  • Specialized funding for cannabis-based businesses
  • Quick turnaround of one to three business days
  • Large suite of additional business services


  • High annual sales requirement of $120,000
  • APR range not specified online
  • May receive unsolicited marketing materials and loan offers

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.

Name Product Filter Values Loan amount APR Requirements
First Down Funding business loans
First Down Funding business loans
$5,000 – $300,000
Fee Based
At least 2 years in business, an annual revenue of $300,000+, and a minimum credit score of 400
Alternative financing up to $300K with highly competitive rates.
Lendio business loans
Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.
ROK Financial business loans
ROK Financial business loans
$10,000 – $5,000,000
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.
OnDeck small business loans
OnDeck small business loans
$5,000 – $250,000
As low as 11.89%
600+ personal credit score, 1 year in business, $100,000+ annual revenue
A leading online business lender offering flexible financing at competitive fixed rates.
Rapid Finance small business loans
Rapid Finance small business loans
$5,000 – $1,000,000
Fee based
Steady flow of credit card sales, bad credit OK
Fundbox business loans
Fundbox business loans
$1,000 – $100,000
You must have an established business.
Get flat rate, short-term financing based on the financial health of your business, not your credit score.
Kickpay e-commerce business loans
Kickpay e-commerce business loans
$20,000 – $1,000,000
Not applicable
At least $250,000 in the past 12 months of revenue, e-commerce business, use a 3rd party fulfillment center for storing and shipping inventory, at least one US location.
Get a loan for your e-commerce business based on your sales history.
LendingClub business loans
LendingClub business loans
$5,000 – $500,000
12.15% to 29.97%
12+ months in business, $50,000+ in annual sales, no bankruptcies or tax liens, at least 20% ownership of the business, fair personal credit score or better
With loan terms that vary from 12 to 60 months, enjoy fixed monthly payments and no prepayment penalties through this award-winning lender.
Monevo business loans
Monevo business loans
$500 – $100,000
3.99% to 35.99%
Credit score of 500+, legal US resident and ages 18+.
Use this connection service to get paired with a loan you can use for business.

Compare up to 4 providers

National Business Capital reviews and complaints

BBB accredited Yes
BBB rating A+
BBB customer reviews 4.9 out of 5 stars, based on 17 customer reviews
Trustpilot Score 4.9 out of 5 stars, based on 534 customer reviews
Customer reviews verified as of 12 October 2020

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, and the most recent negative review as of October 2020 is from April.

How do I fill out the online form?

National Business Capital has a simple one-page form to help you get started.

  1. Visit National Business Capital's website and click Get funded.
  2. Enter information about yourself and your business, including your industry, time in business and annual sales.
  3. 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.

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