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National Business Capital loans review

Browse a variety of financing options through 75+ lenders.’s rating: 4.3 / 5.0


Bottom line: Businesses that have struggled to find funding in the past may be able to get a loan by using National Business Capital — it works with all industries and credit types. But your business will need to meet the annual revenue requirement, and you won’t know the interest rate range before you submit your information.

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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

Is National Business Capital legit?

Yes, National Business Capital is a legit connection service. While it will share 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 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.


Compare business loans now

You can expect to pay back


per month

Based on your loan terms
Total Cost$

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:

  • Three 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.

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

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National Business Capital reviews and complaints

BBB accredited Yes
BBB rating A+
BBB customer reviews 4.96 out of 5 stars, based on 24 customer reviews
Trustpilot Score 4.9 out of 5 stars, based on 701 customer reviews
Customer reviews verified as of 19 March 2021

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 March 2021 is from April of 2020.

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.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

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, because of the amount of options available, APR and other important loan information isn’t available online. 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.

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