Frequently asked questions

From construction and manufacturing to wholesalers and restaurants, we support all industries that make up the financial backbone of America.

Hauppauge, New York, in the heart of the second-largest business park behind Silicon Valley.

We have capital options for all 50 states.

Because banks lend based on rules. We lend based on reality. Our funding is faster, more flexible, and built to meet the urgency and complexity of real business operations.

Our cash flow solutions, offered in-house, range from lines of credit, term loans, cash flow financing, and Sub Debt. We also work with a network of lenders, offering similar products, plus asset-based options and SBA loans.

We work with you to identify the right solution for your goals, then bring the most competitive options from the market to you.

The rates can change depending on the different lending products. At banks, interest rates are generally the prime rate + 2%, but eligibility depends on collateral coverage and other factors.

We offer SBA loans, equipment financing, business term loans, lines of credit, inventory financing, A/R financing, and asset-based lending. All these products come with different rates, and they all change constantly.
For equipment and SBA funding, interest rates are in the single digits (6-8% range).
A/R and asset-based lending come with high single-digit interest rates if you have high-quality receivables or collateral.
If you don’t have B2B receivables or collateral, rates are around 1% per month and will increase from there. This equates to 12 to 18% annually.

We perform soft credit pulls for approvals. A majority of the lenders we work with also do soft credit pulls. If you are going to get a hard inquiry to receive an offer, we’ll let you know upfront immediately.

With our digital application and 6 months of bank statements, you can secure up to $250,000 within a few hours.

If you’re looking for an amount above $250,000, it may take a bit longer. For example, $1 million to $5 million transactions can take anywhere from 3 to 7 business days.

The type of financing solution you’re seeking will also affect the funding time. For equipment financing, the process takes an average of 3 to 10 business days. We can finalize SBA loans in 45 days, which is lightning fast compared to the average.

Keep in mind that bank financing takes an average of 90 days to complete, regardless of the amount or solution you’re seeking. With National Business Capital, our team finds you the best options promptly, so we can grow on your schedule.

Some lending products are collected daily, weekly, bi-weekly, or monthly. We have monthly payment options available on our SBA loans, equipment financing, and business term loan products.

If you’re looking for a specific repayment option, just ask us! We can go over all the options available to you.

Some products, like SBA loans, have prepayment penalties. Equipment financing transactions have prepayment penalties in some situations, but just like a lease on a car, you’re responsible for paying back the full amount.

Some products have prepayment incentives. You can borrow money at a certain cost, and if you pay off early, you pay back less. Please make sure that you ask us about this if it’s important to your company.

Our website has an easy application, where you’ll provide some information about your company and growth goals. If you’d prefer to speak with us before this application or have any questions, we encourage you to give us a call at (888) 488-4769.

We process approvals quickly, often within a few hours. From there, we work to get you the funding you need on the timeline that makes the most sense for your company.

You’ll work with a professional who understands your industry, listens first, and brings smart, actionable funding options to the table. If you’d like to meet us before getting started, check out our team page.

Our minimum qualifications across all solutions, except equipment financing, is one year of operational history in business. Along with this, your company must generate at least $500,000 in annual revenue.

We’ll transparently explain all the costs involved in your funding throughout the process, ensuring there will be no surprises at any point.

Of course. Once you apply, an advisor will reach out promptly to walk you through the process. If you’d prefer to speak to us before applying, you can reach us at (888) 488-4769.

You’ll have support from our team from the first time we speak onward. If you have questions, you can reach your advisor directly at the contact information they provide you with during the process.

You can reach our office at (888) 488-4769. From there, you can speak directly with an advisor.