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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


Max. Amount




Min. Amount$100,000
Max. Amount$10,000,000
Loan term6 to 120 months
Min. Credit Score500
Requirements1+ Year in Business, $500,000 in Annual Revenue, US citizen or permanent resident
Apply now
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Review by

Anna Serio is a lead editor at Finder, specializing in consumer and business financing. A trusted lending expert and former certified commercial loan officer, Anna's written and edited more than 1,000 articles on Finder to help Americans strengthen their financial literacy. Her expertise and analysis on personal, student, business and car loans has been featured in publications like Business Insider, CNBC and Nasdaq, and has appeared on NBC and KADN. Anna holds an MA in Middle Eastern studies from the American University of Beirut and a BA in Creative Writing from Macaulay Honors College at Hunter College, CUNY.

Expert review

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.

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. 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
Principal $
Interest $
Total Cost $

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 amountLoan termMinimum requirements
Business lines of credit$100,000 to $5 million6 months to 3 years
  • 1 year in business
  • Annual sales of $500,000+
Equipment financing$10,000 to $5 million1 to 5 years
  • 1+ year in business or 650+ credit score
  • $500,000+ in annual revenue
SBA Loan$50,000 to $5 million10 to 25 years
  • 2+ years in business
  • Annual sales of $500,000
  • 685+ FICO credit score
Revenue-based financingBased on sales, up to $5 millionNo set repayment period
  • 4+ months in business
  • $10k in monthly gross sales

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 $500,000
  • APR range not specified online

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.

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Name Product Filter Values Min. Amount Max. Amount APR Requirements
Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★
Lendio business loans
Starting at 3%
Operate business in US or Canada for 6 months or more, have a business bank account, 560 personal credit score, at least $8,000 in monthly revenue
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.
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Starting from 2%
550+ credit score, at least one year in business, $240,000+ annual revenue
Apply within minutes without impacting your credit score.
Finder Rating: 4.38 / 5: ★★★★★
Varies by loan type and lender
Must have been in business between 1–2 years, have a minimum revenue of $75,000–$250,000 and have a minimum credit score of 500–650.
Complete a three-minute form to see loans that fit your business’s needs. Compare offers without a hard credit check.
National Business Capital business loans
Finder Rating: 4.3 / 5: ★★★★★
National Business Capital business loans
1+ Year in Business, $500,000 in Annual Revenue, US citizen or permanent resident
Find a loan to match your business needs with an advisor to help you navigate through the process.
OnDeck short-term loans
Finder Rating: 4.6 / 5: ★★★★★
OnDeck short-term loans
29.9% to 65.9%
Companies in business at least 1 year, $100,000+ in gross annual revenue, majority owner with a 625+ personal credit score, active business checking account
Receive flexible financing at competitive fixed rates from this A+ rated business lender.
Finder Rating: 4.6 / 5: ★★★★★
Starting at 1%
600+ personal credit score, 1+ years time in business, $140,000+ minimum annual revenue, active business checking account required
Prequalify with this lending marketplace using an easy application process. Plus, work with real loan experts to make the best decisions on loan programs for ERC, SBA, e-commerce, cannabis and other loan categories.

National Business Capital reviews and complaints

BBB accredited Yes
BBB rating A+
Trustpilot Score 5 out of 5 stars, based on 2,423 customer reviews
Customer reviews verified as of 29 June 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.

  1. Visit National Business Capital’s website and click Explore Your Options.
  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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