National Business Capital Reviews
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About National Business Capital
National Business Capital is a fintech (financial technology) marketplace that works with more than 75 lenders to offer small business loans and financing. It can help you find the right Small Business Administration (SBA) loan, short-term loan, long-term loan, business line of credit or equipment financing. For every deal it funds, it donates 10 meals to Feeding America.
Helpful Reviews
How does National Business Capital work?
National Business Capital works by allowing you to complete an online application, review your offers and select one and receive your money in as little as 24 hours. Here’s a brief step-by-step overview of how to get a loan from National Business Capital:
- Complete a short online application by visiting National Business Capital’s website. You can apply for a loan from $10,000 up to $10 million. You'll need to answer questions about the loan purpose, how long you've been in business and your average monthly sales. Note that it only does a soft credit check, so you don’t have to worry about a hard credit inquiry affecting your credit score.
- Compare your offers and work with a business finance advisor to select the best one for you.
- Receive your money, if approved, in as little as 24 hours from the time you apply. National Business Capital notes that with six months of bank statements, you can obtain a loan of up to $250,000 in a few hours. However, larger loan amounts often take longer. It states loans of one to five million dollars typically take anywhere from three to seven business days. SBA loans can take up to 45 days.
National Business Capital products
National Business Capital offers a wide range of loan products to suit various needs. The table below provides a brief overview of the four main products available:
| Loan product | Small business loans | Business lines of credit | Equipment financing | SBA loans |
|---|---|---|---|---|
| Loan amount | $10K | $100K-$10M | Varies | Up to $5M |
| Time in business requirement | 1+ years | 1+ years | 1+ years | 2+ years |
| Revenue requirement | $500K+ | $500K+ | $500K+ | $500K+ |
| FICO score requirement | N/A | N/A | 700+ | 685+ |
| Funding speed | Hours to days | 24–48 hours | Hours to days | Approx. 6 days |
| Collateral requirement | Usually not needed | Usually not needed | Equipment only | Sometimes needed |
| Repayment terms | Varies | Revolving | 3–5 years | Varies |
Small business loans
Loans for businesses with one year of operation and $500,000-plus in annual revenue. No minimum FICO score required, with approval in hours to days. Loan amounts start at $10,000. Terms vary based on business needs. Collateral is usually not required, and the application process takes minutes.
Business lines of credit
Lines of credit from $100,000 to $10 million for businesses with one year of operation and $500,000-plus in revenue. No minimum FICO score, with approval in 24–48 hours. Revolving credit lines allow funds to replenish as balances are repaid. Collateral is typically not needed, and applications are quick.
Equipment financing
Financing for businesses with one year of operation, $500,000-plus in revenue, and a 700-plus FICO score. Loans for machinery, vehicles, and other equipment, with terms ranging from three to five years. The purchased equipment serves as collateral. Fast funding, with a soft credit pull.
SBA loans
Loans up to $5 million for businesses with two years in operation, $500,000-plus in revenue, and a 685-plus FICO score. Use for working capital, property improvements, and more. Faster funding (approximately 46 days) compared to traditional banks, with a streamlined application process. Collateral may not be necessary.
Other National Business Capital financing products
National Business Capital also offers two alternative financing options:
- Revenue-based financing: This option allows businesses to secure funding based on future revenue, without requiring collateral or a minimum FICO score. Businesses with at least one year in operation and $500,000-plus in annual revenue can qualify. Repayment is flexible and tied to a percentage of daily sales. Funding amounts can reach up to $10 million, with businesses often receiving funds within 24 hours.
- Subordinated debt: Subordinated debt provides non-dilutive capital (no equity given up), ranging from $100,000 to $10 million. Companies with at least one year in business and $1 million-plus in annual revenue can qualify. This second-tier financing doesn’t require collateral or disrupt senior debt agreements, with repayment terms of up to 24 months and interest rates starting at 15%.
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National Business Capital Reviews
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Reviewed Dec. 6, 2025
My experience with National Business Capital was extremely negative and financially harmful to my business. I was advised to take a short-term “bridge loan” with the understanding that it would be followed by an SBA loan once the bridge was secured and performance was shown. That SBA loan never materialized. Instead, I was placed into a high-cost weekly repayment product that immediately strained operations. The true cash flow impact of those large weekly withdrawals was not clearly explained upfront. Once repayment began, it became obvious that the structure severely restricted working capital.
As a direct result of how aggressive the weekly payments were, I eventually had to refinance the loan just to keep my business afloat. What was sold as a temporary bridge became a long-term financial burden. After funding, communication dropped off significantly, and any follow-through on the promised SBA financing disappeared. In hindsight, the bridge loan felt like a setup to funnel me into expensive short-term money, not a real path to affordable capital. I strongly urge business owners to get everything in writing, fully understand weekly repayment structures, and consult an independent financial professional before working with National Business Capital.
Reviewed Nov. 25, 2025
Great communication, very thorough, and super fast process. Matt was super professional and made the process extremely easy. His follow through and willingness to explain made this even more pleasant. I highly recommend to anyone that needs business lending.
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Reviewed Nov. 18, 2025
Very good people to work with great customer service. I would love to recommend them to anyone in need of their services. Very knowledgeable and very good in what they do. A friend of my recommended their services to me and am very happy he did.
Reviewed Oct. 16, 2025
When you sail, the Captain is as important as the weather and the boat. Thank you, Matthew, for leading this financial journey with such proactive support and problem-solving skills, and for guiding us to reach our goal. What stands out most is the positive and efficient way you led our interactions—truly appreciated.
Reviewed Oct. 14, 2025
Fully enjoyed working with Matt W and Cherie ** on my first broker transaction with National Business Capital. The communication and timely funding for my client was spot on! Thanks again, and I look forward to working together on another deal soon.
Reviewed Sept. 17, 2025
It was a pleasure working with Joe ** with National Business Capital. He listened to what we needed for our company, our concerns, and he went and found the loan product we were after. We were funded in several days and we could not be happier!
Reviewed Sept. 15, 2025
My experience with National Business Capital LLC has been truly outstanding. From the very beginning, their team demonstrated professionalism, transparency, and a genuine commitment to helping me achieve my financial goals. The process was smooth, efficient, and much faster than I expected. What I appreciated most was their clear communication — they explained every step, answered all my questions, and made me feel confident throughout the process. Thanks to their guidance and support, I was able to secure the right financing solution for my business. I highly recommend National Business Capital LLC to any business owner looking for trustworthy, reliable, and personalized financial services. They exceeded my expectations and I will definitely work with them again in the future.
Reviewed Sept. 15, 2025
If you are looking for partners to get deals done for you, this is the group! I have been working with them for years and the constantly close deals for me on a weekly basis. Thank you to John ** & Bradley ** for getting the job done!
Reviewed Jan. 7, 2021
I got a pretty good experience with them, especially John **, my advisor. He understood our needs and within a couple days came up with a solution and a lender we signed up with for a line of credit. Pretty hefty interest rates, but we got the funds we needed. Keep the good work up guys!
Reviewed Dec. 1, 2020
In the middle of the Pandemic when our company was at its most vulnerable our Business Financial Advisor Ori really rescued us! He fought to find us the best offers, he spent countless hours of his time offering thoughtful financial guidance and encouragement! From creating financial models for our President, to renegotiating with banks on our behalf, he truly went above and beyond! We really lucked out when we found this place, and we are so grateful to National and Ori for changing our lives for the better! 10 stars!
National Business Capital Company Information
- Company Name:
- National Business Capital & Services
- Company Type:
- Private
- Year Founded:
- 2007
- Formerly Named:
- National Business Capital
- Address:
- 80 Arkay Dr., Ste. 215
- City:
- Hauppauge
- State/Province:
- NY
- Postal Code:
- 11788
- Country:
- United States
- Website:
- www.national.biz